vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
I made a poor choice in desperation and bought a car from XXXX in XX/XX/2011. Within the first week, the air conditioning went out in the vehicle and was going to cost me XXXX dollars to fix. A week after that I had a tire blow on the highway. Apparently there were wires showing that I did not notice when I purchased vehicle. By this time Im frustrated. Then when I decided to return the car something happened in the engine so I wasn't even able to return it. I called to have them come and get it. I was not aware that there is something called the " lemon '' law. I just knew I got a bad deal. I didn't realize this was on my credit score until I went to purchase my first home. Now its a problem. I don't recall getting any notices or phone calls. I am attempting to dispute this debt. Any help would be appreciated. It has been 7 years so I do not recall a lot of information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Problems handling payments and loan interest

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: Business Revenue Systems, Inc.
State: MD

Complaint narrative:
I have made multiple calls to correct this action and XXXX XXXX ( XXXX ). They have refused to resolve this payment issue. I was yelled at, hung up on and management calls were never returned. 

This company made multiple harassing calls for debt collection on a regular basis on almost a daily basis. 

From XX/XX/2018 to present I have spoken to numerous people at all levels and now they have put me into collection for {$56.00} when I paid XXXX XXXX as agreed upon. They claim they can not find the check I find that hard to believe as the other checks were received at the same address. 

I want immediate correction to my credit report as the information provided to blemish my credit is not correct. This company is unprofessional and unreasonable and their lack of customer service is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2018 TransUnion re-inserted previously deleted items from XXXX XXXX  without 5 days motions of re-insertion. Ive sent them letters two times but they just ignored it. Also XXXX  on XX/XX/2018 really-inserted items from XXXX XXXX  without 5 days re-insertion notice. Sent them 2 letters - to remove it immediately- they just ignored it.

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 2018-12-10 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: OH

Complaint narrative:
i have sent in multiple complaints and have notified this company multiple times about my identity theft and somebody opening up accounts under my name. XXXX and XXXX  have already removed these accounts from my report. i received a notification from your company stating that these accounts do belong to me.? obliviously the accounts are going to have my information on them since they were opened under my name. Who ever hacked my personal information/identity used my information to obtain these accounts. please remove these as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received a credit card from capital one and have not been able to keep up with payments as of XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax you stated verified XXXX to CFPB report so I filed another dispute on XX/XX/2018 but on XX/XX/XXXX andXX/XX/2018 You reported account removed from credit report BUT still showing on report as of XX/XX/2018 CFPB case # XXXX  you state to the CFPB on XX/XX/2018Account # XX/XX/7318 was DELETED from credit report enclosed is the documentation of the statements .lets settle this once and for all remove this account from my credit report now Forever as stated in documents enclosed so I can Close these dispute with you, Also please tell how my score dropped another38 points when it states no change on your documents

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: NY

Complaint narrative:
On XX/XX/2018 XXXX re-inserted previously deleted items from XXXX XXXX without 5 days motions of re-insertion. Ive sent them letters two times but they just ignored it. Also Equifax on XX/XX/2018 really-inserted items from XXXX XXXX without 5 days re-insertion notice. Sent them 2 letters - to remove it immediately- they just ignored it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
on XX/XX/18 from approximately XXXX XXXX to approximately XXXX XXXX I was repeatedly emailed, called, and texted by numerous employees of American Express regarding my account. I spoke with at least 5 individuals none of whom would provide me with a clear and concise explanation of their reasons for contacting me. Each individual asked me multiple questions over and over again only to transfer me to others who repeated the same questions looking for more and more information. In short I provided my name, credit card number, address, pin number, social security number, telephone numbers, and other information over and over again without learning why they were questioning me. I spoke with a manager named XXXX XXXX ( call # 3 or 4 ) who transferred me to a representative named XXXX who refused to provide her full name for this complaint. When I asked for her full name she hung up on me. Since XX/XX/18 to today I and my wife have received emails and phone message to call American Express that provide no way to respond except by contacting a general customer service which is what led to this complaint in the first place. Apparently American Express feels they can bully senior citizens with these tactics. I have been a cardholder with this firm for XXXX years which breaks down to at least XXXX   monthly bills paid in advance of due date. Never in XXXX years have I failed to pay a bill on time in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/2018, I purchased my then to be Fianc a ring from Zales XXXX XXXX XXXX. XXXX XXXX XXXX ( credit card company for Zales ) only approved me for {$2000.00} and I had to pay the difference and lay away the rest of the money.

I chose the ring and when it was time to pay, the credit card was swiped for {$2000.00} but strangely it took the whole payment of {$5400.00}. I was in the Zales store for 4 hours because of this mishap and the management team couldnt come up with a solution. So they told me that everything is ok and to sign for the payment and I would get a call within 3-5 business days for a  solution. Nothing was explained to me regarding a plan I am on or if I had a certain time frame to pay off the ring. I was told this had never happen and the whole payment being taken on a credit card is a first. I never got a call or email stating what is happening with my account until I made a call on XX/XX/2018. I was told my account is in good standing and they are aware of my situation, to keep making payments on time and not to worry about interest.

On XX/XX/2018, I received an email stating all the money I paid was taking away because interest was charge per agreement, in which I wasnt aware of any agreements.

In a years time, I paid almost {$1500.00} and made every payment on time.

Interest charged was {$2200.00}!!! It was not charge per month like all other credit card companies do, it was charged from the whole year I started with them, which was false advertisement.

I called Zales customer service management team and explained my situation letting them know I was not warned on any interest charges because of how the whole payment was charged on the credit card. They said I had to write a letter to the customer service team, in which I did and they denied my claim, did not contact me back and is expecting payment, which is NOT FAIR. Now my credit score drop significantly which hurt my chances of buying a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I refinanced my Federal Loans with Mohela XXXX XXXX to obtain a better interest rate than what I was receiving with my Federal Loans. I came across 2 issues that I found to be quite problematic.

The initial issue I had was that while I was making my minimum autopay installments, I was also making additional payments on a monthly basis. I had been doing so for several months/years, when I had contacted the company in regards to some accounting issues I was seeing. At that time, they then told me that all of those additional payments could have been going to the principal rather than the interest. I had been making substantial monthly payments ( XXXX XXXX )  that ultimately was not benefiting me as the consumer in any way whatsoever. They never contacted me to let me know this was even an option. I went back through their contract and I could not find any location that explicitly told consumers if you made extra payments, they could go to the principle. They intentionally kept this from me and other consumers. As a XXXX XXXX, my loans are substantial ( XXXX ) which having made those initial payments to the principal would have helped me and my family immensely.

In addition, as I had now been alerted to the fact I could make payments to my principal rather than just the interest, I was seeing some benefit in that my overall principle was decreasing. As my loan was leaving forebearance and I was going to have to make full monthly payments, I again looked at my balance, and to my utter dismay, my principle balance had returned almost to its initial level ( XXXX ) even though I had been making large additional payments.

I called Mohela XXXX XXXX to discuss this with me, where they told me at the end of forebearnace, there was an additional XXXX fee that was incurred when the loan left forebearance. Needless to say I was enraged.

I begged for some reprieve, only to be told this was in the contract and you are unfortunately " out of luck. '' I have since left that company and refinanced with XXXX at this point, because I was so appalled at these tactics.

I have already spent thousands of dollars attempting to be a responsible consumer and pay for my education. All of this money could have gone to my overall principle which would allow for me to have paid my loan back in full, in a shorter amount of time, and done responsibly. I am now continuing to pay an absurd amount on a monthly basis, to make up for what I thought I was mitigating over the past 2-3 years.

This is unbelievably deceitful and provides absolutely no benefit to the consumer whatsoever. They are keeping you indebted to continue to reap interest benefits for themselves while leaving you struggling on a monthly basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
On Saturday, XX/XX/XXXX I got a notification from my bank that my account went into overdraft. I was charged fees on top of the overdraft. I checked my account to see what caused the overdraft. To my dismay, it was a auto debit check from my private loan from Navient charging me about {$440.00}. My normal payment on the XX/XX/XXXX is around {$270.00}. I was confused and angry but could not speak with the company because they were closed on the weekends. Monday morning around XXXX XXXX I called the company regarding the matter. I told them that I was not notified of a payment increase or a change in my rate reduction program. The person on the phone name was XXXX and she was very rude. She argued and told me I signed up for this and they are allowed to debit whatever amount. I was trying to explain to her that I was not notified, but she said well it was taken out of your account since last month. When she told me that I checked my account and saw that she was right. About {$440.00} was taken out automatically by check and then for some reason I paired them {$270.00} on top of it. Because she was SO rude I asked to speak with someone else. This person, XXXX, wasnt AS rude but she was not empathetic either. I asked her if I was notified that there would be a change in my payments. She said yes and told me to hold on and it took her almost 2 minutes to look. She stated she couldnt see when I was notified by it should be in my statement. I asked her how am I supposed to know when my rate reduction program ends without notification from the company? I also was confused because I did receive an email from Navient stating my program was ending XX/XX/ and my payments would be increased in XX/XX/. I submitted an updated financial statement and e-signed it. I never received a call back from Navient about that. I did not receive any notification notifying me of an increase starting in XX/XX/XXXX. She claims one of my loans ended in XX/XX/XXXX but couldnt explain to me when would one end and not the other when I signed up for the rate reduction program and the same time ( I think in XX/XX/XXXX ). I also asked her to take me off of auto debit because of this matter. She never notified me that I would be charged {$23.00} to end auto debit. This company is not professional at all and I wish I never signed up when starting college.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Global Equity Finance, Inc.
State: FL

Complaint narrative:
my wife and I XXXX, call this company to Refinance, everything they ask forms paper they got it, they give us closing day, so they sent that person to signing the documents XXXX days after the closing the titles personal call me above other finance documents that they needing, they had XXXX days to collect all the information to continue or to stop the Refinance process.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: MI

Complaint narrative:
There was a payment of {$140.00} that never was credited. I have always paid timely and the account was frozen yet once I requested it to cease the frozen status, then what occurred was they immediately stated I owed a payment. 

Unfortunately, I never received the card and XXXX charged me {$30.00} to send the card XXXX. 

Please help me as my score has plummeted over 40 points erroneously. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There was a payment of {$140.00} that never was credited. I have always paid timely and the account was frozen yet once I requested it to cease the frozen status, then what occurred was they immediately stated I owed a payment. 

Unfortunately, I never received the card and XXXX  charged me {$30.00} to send the card XXXX. 

Please help me as my score has plummeted over 40 points  erroneously. 

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 non-monetary relief
Consumer complaint received 2018-12-10 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: AZ

Complaint narrative:
On XX/XX/XXXX I was notified by XXXX that there was a change in my credit report and score, showing that XXXX XXXX had reported a collection account that is closed to my report resulting in a 71 point drop in my credit score. I immediately contacted TransUnion to dispute this, advising them that the reported collection account was NOT mine. 
OnXX/XX/XXXX i was able to contact XXXX XXXX   regarding this and they admitted it was submitted in error and should have NEVER been reported at all or even sent to them for collections. XXXX with XXXX XXXX assured me that on XX/XX/XXXXthey would send over the information to TransUnion that it should have never been submitted and that they would tell them to restore my original score. 
On XX/XX/XXXX I was notified by XXXX that the account was removed from my report however my score did NOT restore to the original score. I contacted TransUnion and was transferred 3 times and finally was told by a representative that they would not restore my score even though they had received information from XXXX XXXX to remove the account because it was done so in error. 
I have attempted multiple to resolve this however TransUnion is unwilling to do so. 
TransUnion is supposed to be CORRECT information and even though they were notified that the submission was done so in error, they are unwilling to restore my credit score from the 71 point reduction. This can have SERIOUS negative impacts not only with financial future but also have a negative effect on my career as any collections can have an adverse effect on my employment. 
I would like them to correct my score and restore the 71 points that it reduced it by.

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 2018-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
In XX/XX/2017, I contacted Quicken Loans regarding general information to refinance my home. It was not my intent, nor did I consent to having an application or credit inquiry submitted. I was simply wanting to obtain generic information on costs, and average interest rates. However the phone call resulted in an application, resulting in a credit inquiry, without clear consent from me, or even providing acknowledgment that they had done so. 
I was not made aware that Quicken had submitted an application/credit inquiry, until be notified by the financial institution I chose to do business with had alerted me. Although I have over an 800 credit score, this delayed the overall refinance process, and required additional documentation that otherwise would not have occurred had Quicken not done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In the month of XX/XX/2018 I disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2018-12-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I had complained to XXXX XXXX and filed a complaint with CFPB regarding to fraud and activity on my XXXX XXXX store card. XXXX XXXX sent a notice that it would be resolved within XXXX days since XX/XX/XXXX. It has been XXXX days and it hasn't been resolved however they are trying charge me monthly charges of {$27.00} and the available balance is still wrong and fraudulent.

As you will review in XX/XX/XXXX statement I have a balance of {$500.00} and then in XX/XX/XXXX there is a balance of {$390.00} which I didn't make any purchases. On the website they have a charge of {$140.00} and a balance of {$100.00} out of {$500.00}? ( See attached ). This is stressful and causing me anxiety and XXXX XXXX responded to CFPB and I however refuse to repair or fix this issue after waiting for XXXX days ( See Attached ). XXXX is continuing to be fraudulent.

Company response to consumer: Closed with explanation