vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-06 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: COAST PROFESSIONAL, INC.
State: MA

Complaint narrative:
Coast Professional took over my student loan. I received a letter that my wages would be garnished. I called and spoke with the manager ( so-called ) there by the name of XXXX XXXX. I explained to him that I was on a payment plan prior with another company from Dept of Ed and that my payment suddenly stopped from being deducted from my account after 2 years. He stated that he would look into it. Two weeks had gone past and I heard nothing. The next pay cycle my check was deducted {$XXXX} ( per pay period ). I called Coast XXXX and asked what could I do, XXXX XXXX was rude and said " What do you mean what can you do? Pay it! '' I told him that I would call Dept of Ed and get to the bottom of this. I called Dept of Ed and they had no idea that I was getting garnished. That was only after I was hung up on by 2 people while transferring my call. 
I called back and got a manger on the phone who explained everything to my wife and I. I then sent all the paperwork needed to Coast XXXX in XXXX. I had to keep calling to check that they did receive it. Only to find out that XXXX XXXX is the manager of wage garnishment and they were already in the process of garnishment. The phone calls kept going because we would send info only to be told " Oh you forgot something '' on ly to point out that they received it already. We were then told that my garnishment wages were granted to be stopped on XXXX/XXXX/XXXX by XXXX. I called Dept of Ed only to be told that they had none of my information and they do not know why I was told such. I called Coast XXXX back and spoke with XXXX this time because XXXX who prev told me that an item was missing again was busy. XXXX stated that Coast has not sent my information yet because they did not have all my paperwork. I am still waiting for this to be resolved. I asked for the loan amounts to be sent and I have yet to receive paperwork about my loans or paperwork stating that my wages were garnished! 
This company is HORRIBLE and Dept of Ed should be ashamed to let their student be handled in such a way. I now recommend to all kids not to take out a student loan just go to trade school and try to get a grant!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC
State: AZ

Complaint narrative:
inXX/XX/XXXX2017 i paid in full a credit card debt that was in collection. i was sent a paid in full document dated XX/XX/2017. on XX/XX/XXXX2017 the company XXXX funding placed my paid in full account into a derogatory status as though i had never paid it. this dropped my credit rating by XXXX points and is against federal law related to paying collections in full. i was told my credit report would be updated within 10 days to a positive because i paid in full. instead they updated it negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
my home was in the flood area of XXXX2016 in Louisiana. my business was down due to this, Chase offered 3 months off on payments, I took this offer, at the end they wanted all 3 payments plus the current payment in 1 month. I did not have it I asked if I could pay the current month and add the other 3 to the end. they said no but they had another plan a mortgage assistance plan that would refinance my mortgage, to qualify I needed to pay 3 payments on time, which I did then after the end I would sign papers and be up to date which is what  happened. at no time did they tell me I would be reported late on my mortgage to all the credit bureaus, I followed there plan and still was reported. I feel I was mislead the whole way, if at anytime they would have told me all the facts I could have at the time with my great credit rating that I have maintained all my adult life I could have gotten a loan at any bank. but they have now wrecked my credit and because I cant renew my current business loan I will lose my business at the end of the year. I tried to dispute the issue with them but was told that even though I was n't properly informed that theres nothing they can do, they even admitted that many others were having this same issue and the gentlemen felt that they should probably inform people better. I dint know if there is anything you can do to help but I sure need it. thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I 've contacted Equifax at least 15 times regarding this matter. I 've even contacted the companies which they 've stated they did not have any information on file regarding inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: Southern Auto Finance Co
State: NC

Complaint narrative:
Safco Acct XXXX is reporting on my credit report. 
Contact Number XXXX Purchase date XXXX XXXX XXXX Voluntarily surrendered the vehicle due to lemon car Voluntarily surrendered Vehicle call in on XXXX XXXX, XXXX to have the vehicle picked up. The vehicle was picked up on XXXX XXXX, XXXX. The vehicle was auctioned on XXXX XXXX, XXXX. I spoke to XXXX in the Deficiency Department on XXXX XXXX, XXXX. Per XXXX the information is accurate this vehicle is notated in their records as a voluntarily surrender and this vehicle was auctioned off on XXXX XXXX. XXXX contact is XXXX along with his coworker XXXX I Dispute with the credit bureau no actions were taking on behalf of Safco after disputing. 
I am asking that this be DELETED from all Credit bureaus. XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I closed my checking account due to horrible customer service and the balance was supposed to be sent to me by mail or transferred into another account. Citi argued with me about my actual ending balance and later found out that my balance was in a holding account. I spoke with XXXX seperate managers XXXX - empl ID # XXXX and XXXX empl ID # XXXX who both reassured me they will handle it and I will receive my money. It has been over a month and I still do n't have my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
1 ) I disputed transaction for XXXX with Citibank Credit Card on XXXX XXXX, XXXX. 
2 ) Citbank sent back a letter requesting details 3 ) I sent all details to Citibank on XXXX XXXX, XXXX XXXX ) Citibank kept quiet for 2 months 5 ) On XXXX XXXX, Citibank sent back a letter that they have closed the investigation and and requested more details. 
6 ) I talked to Citibank dispute agent to understand what they needed. I informed them about the inaccuracies in their response. 
7 ) On XXXX XXXX, XXXX, Citibank sent a letter sending th 'We have reviewed the information concerning this dispute. Unfortunately, we are unable to resolve this dispute in your favor since we have not received a valid credit slip. As a result, we have completed our investigation based on the information available. Please contact the merchant directly if you wish to pursue this matter further. 
We regret that we are unable to assist you in this matter. ' 8 ) I contacted customer service on XXXX/XXXX/XXXX. It did not yield any results. 

9 ) I have other suspicious transactions too. My understanding is CitiBank just delays and discourages customers from complaining by putting disproportionate burden.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have made every payment on time with XXXX XXXX XXXX on 2 loans for over 10 years they eronousley reported me late 60 days on my credit report ive never been late if you look at my credit on one of the 3 reporting buerus it shows all current but my fico score shows diffrent ive spent countless hours with bofa and every credit reporting buereu no luck XXXX a has ruined my credit because they accidentally submitted the incorrect information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Meridian ARG Inc.
State: WI

Complaint narrative:
XXXX/XXXX/XXXX XXXX PEOPLE IN MY FAMILY RECEIVED A CALL FROM XXXX THREATENING THAT IF THEY DID N'T CONTACT THE NUMBER ABOUT ME THAT I WOULD BE GOING TO CHAIR AND THE DA 'S OFFICE WOULD BE CONTACTED. THE PHONE CALL WAS VERY THREATENING AND THEY EVEN CALLED MY XXXX AND XXXX XXXX XXXX DAUGHTERS AND MY AGING IN-LAWS. I WOULD NEVER USE MY DAUGTHERS OR MY IN-LAWS AS REFERENCES ON ANY ACCOUNT. THE PHONE CALL WAS VERY BOTHERSOME TO ALL OF THESE PEOPLE BECAUSE THEY DO N'T KNOW THE LAWS AND RULES AND THOUGHT I WAS GOING TO GO TO JAIL.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
this company just put a deerrogatory on my credit report and this debt was paid directly to hospital over 9 months ago. i am enclosing a copy of the online receipt for this 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 2017-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: NY

Complaint narrative:
I received a letter last week about a checking account being charged for inactivity for months. I had no idea I even had this account with KeyBank, as I closed out all of my accounts there months ago. I went into the bank to investigate, as I have had many online account opened not by me at this bank previously. The branch member told me he would investigate and get back to me. A couple days later he contacted me saying he could n't find any info about it. I informed him that I received a bank statement for this account. He looked it up and informed me it was opened online out of a branch in XXXX XXXX and told me the name of the person. I do not know this person. He told me he would further investigate. I did not hear back from him so I tried to contact the Fraud Department, which Customer Service after 25 minutes would not transfer me to. The branch member contacted me and stated I needed to come in and file paperwork with him directly. He would try to get the maintenance fees and inactivity fees refunded and then close the account and give me the balance, but only once it is confirmed by the fraud department. I have taken multiple vacation days to deal with these issues. I now may be out {$580.00}, and still nothing is settled. I had asked them months ago to put in place no online accounts be allowed to ever be opened, but it seems that did not stick. They keep insisting I must have identity theft, but as I had to purchase XXXX because of this, no other activity has ever been found.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am complaining because CITIbank is not allowing its credit card holders to view their statements online. Over a two week plus period, I have been clicking on view statements through a pdf or otherwise, and the bank continually notes that its system is temporarily not working. In the meantime they send me all types of emails with special offers, etc. Today, XXXX sent me two emails which said I should click on them to view a statement ; instead I received the same message I have been getting for some time that their system is temporarily down. I do not receive this same type of fraudulent service from other banks. Your agency should contact the bank which is clearly keeping information about interest rates and prior charges from customers. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
About XXXX/XXXX/XXXX I placed a " Security Freeze '' on my credit file with Equifax after finding out that I was one of the 125M people whose personal information was breached. Today ( XXXX/XXXX/XXXX XXXX, I used the Equifax email link to complete enrollment for " TrustedID '' offered by Equifax. After starting the process through creating a password, I got bounced to a pop up giving a phone number to call. I spoke with someone at the call center ( hoping it was a legitimate call center asking for personal info ). The woman said I failed to complete the security question process and I explained that I got the call center pop up before getting to the security question and the pop up said my enrollment was incomplete. The woman had difficulty getting my info and because of call volume, she said, her computer was very slow. I tried the enrollment link, and it said I was enrolled and to go to an Equifax link. [ [ [ Screen info is shown below. ] ] ] But, again, another pop up said XXXX was unable to complete activation. After spending more time on the line with the call center, I said to forget her effort and I 'll file a complaint. 

This mess is truly unbelievable. Why am I having to spend my time registering, activating, giving more info to Equifax, calling XXXX, hoping that my credit, my bank accounts, my retirement is " safe '' and now filing a complaint? And, if for example, one of my accounts is drained by thieves, where will Equifax be? This is an industry long, long overdue for scrutiny and legislation to protect the consumer, not the company. Unbelievable! 



Product Already Activated Our records indicate that you may have already enrolled and activated the TrustedID Premier product. Attempting to enroll again is not necessary. 

Please go to XXXX to log in to your product. 

TrustedID XXXX XXXX XXXX. Log in. Forgot your password? 

If you have any questions, please contact our call center at XXXX. 



Enrollment Error We are unable to activate you online. Please contact Customer Service at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp
State: IN

Complaint narrative:
I was talking with my student loan provider, XXXX XXXX and they suggested that I call you to report XXXX XXXX due to the fact that they charged me {$1300.00} to consolidate the loan where it could have been accomplished free. 

They set me with XXXX XXXX for the loan consolidation fee of {$1300.00}. Additionally, I am charged 21 % interest. 

I was initially contacted by XXXX XXXX via phone to refinance and to consolidate my student loan. 

At no time, did they tell me that I could go directly to XXXX XXXX and re finance for free. 

XXXX XXXX was outraged this happened and suggested I report is to prevent this happening to future unsuspecting victims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
A firm called Portfolio Recovery has been calling my home phone number, XXXX XXXX XXXX about debt owed by my deceased and ex wife of 27 years ago , XXXX XXXX XXXX. I have asked them repeatedly to stop calling me and referred them to the executor of XXXX XXXX estate. They continue to call and call our home phone number and insinuate that I am lying about my ex wife martial situation and estate. 

The number they call from is XXXX XXXX XXXX, although this changes from call to call. 

Please report to all that this firm is unreasonable, and will hound you to the point of violation of every ethic that is embodied in the fair credit act and consumer protection laws. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In response to you CFPB response " We were not able to verify that you were advised that Wells Fargo Dealer Services ( WFDS ) would be waiving the final payment on your loan, nor was there a reason for the payment to be waived '' I was not advised that Wells Fargo would be waiving the final payment, but that option was presented to me by whomever I was speaking with in the Presidents office at that time. What I did not know at that time was that I should have been provided a CASE NUMBER ( none was offered ). 

In the interim, I waited for a response from Wells Fargo for the request to waive the last payment offered to me by the Presidents office employee. 

No response arrived and my wife made me aware that the account was delinquent. 
The final amount was not an issue and I would have paid it IMMEDIATELY had the offer to waive that same payment had not been made to me. It makes NO SENSE to me at all to ruin my credit by shirking my responsibility of paying the last payment after paying EVERY OTHER PAYMENT. 

Due to the incompetence of the Wells Fargo PRESITENTS OFFICE staff, this situation has been created this absurd round of communication by myself and my wife and is usurping a great deal of my time to try to get Wells Fargo to take responsibility for the situation that they created. 

I dont need Wells Fargo to admit that they made an error ; I dont need Wells Fargo to admit that they have incomplete notes and are not able to verify that their employee made an offer to waive the last payment, I do need Wells Fargo take responsibility for creating this situation and correct the credit reports delinquency entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After having made a payment that exceeded by balance on my CapitalOne MasterCard, on XXXX/XXXX/XXXX, CapitalOne drafted me a check for my credit balance in the amount of {$120.00} which I received in the mail shortly thereafter. On XXXX/XXXX/XXXX I mobile deposited their check to my XXXX checking account using my smart phone. On XXXX/XXXX/XXXX I received a letter from XXXX indicating that the CapitalOne check I deposited was returned as it was drawn on a CLOSED ACCOUNT! XXXX 's letter further indicated they were debiting me a {$12.00} returned item fee. On XXXX/XXXX/XXXX I called CapitalOne customer service at XXXX and reached some guy in XXXX who barely spoke XXXX that was difficult to understand. After going round and round with this guy, he finally indicated that CapitalOne would send me a replacement check but only for {$120.00} credit balance amount but would not reimburse me for the {$12.00} returned item fee that I suffered for having deposited their bogus, worthless check that was drawn on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: MD

Complaint narrative:
i try to dispute this trough equifax severals times, specially my last dispute on XXXX XXXX was ignore, XXXX XXXX was ignore as well ( i even send the other party a letter on XXXX XXXX as well ) none of them reply : i tough they all should follow the law, none of was in compliance. ( see attach doc ), sometime they put the account as installment sometimes they reported as collection? this is account was never late ( i been paying my duty since XXXX and it was come in from my work directly ). i was never been notify by the company about any discrepancy, please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06 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: FL

Complaint narrative:
Equifax breach. And exposure to personal information, in which can be used for all three credit branches. Exposure to theft and fraud.

Company response to consumer: Closed with explanation