vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I 've attempted to make payment arrangements/offer of settlement with Capitalone, however, they insisted on a high payment totaling or equal to over  XXXX  for one month. I can not afford this amount and they are not open to any settlement offer either. I 've attempted to make payment arrangements via live chat in the past, however, the last rep was uncooperative and a separate complaint was filed in re which was not resolved. The balance is over  XXXX  and some charges are fraud, not authorized by myself. I believe a offer of settlement is fair, considering the fraud charges. How ever, Capitalone  will not accept. Since they will not accept settlement offer and or payment arrangements, please advise them to cease and desist from contacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: COAST PROFESSIONAL, INC.
State: KS

Complaint narrative:
In  1986 i atte nded   XXXX   XXXX   XXXX   in  XXXX  kansas. I applied for  XXXX  pail grants to be applied to my goverment student loans believe to be a ffel. I was approved for all grant. I compleated both modules  XXXX   XXXX   XXXX    and   XXXX   XXXX   XXXX   XXXX   Because of a problem in the financial aid department with an representative that defrauded or bused clients funds. I Never recived my pail grants. I never found out the out come of that except that the school closed down and no longer exists. Now the DOE is garnisheeing my checks for payment on those student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: AK

Complaint narrative:
On  XXXX / XXXX /   17  I was approved and given a loan in the amount of {$700.00} with the understanding that the pay off amount would " not be much more than {$700.00} '' The answers I received were very vague and misleading. Come to find out the actual pay off for the {$700.00} was well over {$2000.00}. Once I realized I attempted to return the {$700.00} they 'd already transferred to my account but they denied my request saying I would need to pay the finance fees and give them {$910.00}. This was the next day  XXXX / XXXX / 17 . I feel as if though this is not just as I did not realize what I was agreeing to and attempted to correct the mistake the next day but they would not allow it. I attempted to find a copy of the loan agreement to add to this complaint but I have zero access to any agreement via their website

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: UT

Complaint narrative:
My husband was given the advice to submit paperwork via EMAIL to  XXXX  XXXX  XXXX . He was asked to include his   XXXX   tax returns which includes my social security number, My  XXXX  children 's ' social security numbers and his social security number. In the title he was to provide his social security number and his full legal name. IE  XXXX   XXXX   XXXX .  ( not real number s or names ) In addition to the application that was required to submit the income based repayment plan.     I called the customer service team and verified that this was standard language that people "  XXXX  '' submit these with this information. And that using an UNSECURE method such as email is an acceptable form. They then proceeded to tell me that if I do n't feel comfortable I can submit via fax or online. Both of which are much more secure My complaint is that the advice NelNet servicing is giving to email with all of this sensitive information is setting their lendee 's into a possible risk for sniffing and having their information stolen.     This is a pseudo government entity to service loans. I do not believe they are giving their customers proper advice to keep their identity or their families secure from would be thieves.      Regards, Concerned NelNet  Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Dedicated Financial Partnerships
State: FL

Complaint narrative:
This company keeps calling me, all day long, to try and contact my step-daughter  who may or may not owe a debt. But the people who call and harass me many times per day ( they have calles me three  times today,  XXXX   XXXX  ) illegally tell me about my step-daughter 's credit issues. They also keep demanding to talk to my husband to confirm that my step-daughter does n't live with me even though I 've told them numerous times he 's passed away. I have  XXXX   XXXX   XXXX , and I can not handle this ruthless company calling my all day long for an alleged debt that has nothing to do with me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On  XXXX / XXXX  /2017 I n oticed that I pay my card late. I went online and noticed also the late fee of {$27.00} put on already. I call the bank and the agent told me if you pay {$75.00} today that will be for  XXXX  and  XXXX  bill and we will take off the late fee too. I go online to see my payment for this month and I still seeing I have to pay {$75.00} plus the late fee still is there. I call and the agent said we will refund the {$75.00} back and then you pay it back to use to clear the {$75.00} payment but the late fee will remain. So they want to pay {$75.00} plus the late fee. Which I was told pay on  XXXX / XXXX /   2017 pay  {$75.00} and when you do we will take off the late fee. So that late fee is suppose to be in  XXXX  bill not  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 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has been on my XXXX credit report since X/2007. I am asking XXXX to remove the account as it is to old to be reporting on my credit report.I have no payment history as I have never paid on this account. This account is approximately 10 years old.

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 2017-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
O n   XXXX   XXXX  ,20  17 I was informed  by S un Loan  company that the   XXXX    checks that I have written for  XXXX  was returned by   XXXX   XXXX    unpaid. I was informed that if I did n't pay them back for the checks and the  XXXX  fee for both of them. They will send them to the states attorney. I told them that I 'm having a hardship right now due to my health of a  XXXX  I have had. And they rudely told they did n't care. Those   XXXX   checks are from a complaint I file with   XXXX   XXXX    refusing to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Roquemore Holdings LLC
State: MI

Complaint narrative:
This compan y Roquemore has been harassing about a debt my son owe to the credit union for a car loan, I have told them that he do not live here they constantly keep calling, asking for him saying I 'm hiding him, I have block them and still they call from another number saying I see you blocked me, then they have called several family members, and they called his job telling them all his business that they looking for a car he has n't paid for, tell other people he moved out of town, then the lady got hostile with me, i have her on tape, and I told her that I was taping her and that I was going call the federal debt collecting and tell that they are harassing me, they said that they are not debt collectors, they were  XXXX  that the credit union   XXXX   XXXX  , had a insurance policy on my so n loan, that if he did n't pay, then  XXXX  would paid off the loan, and that 's why she was calling because now the car belongs to them because she said they paid off the credit union, and I also have that on tape, they were ca lling 3-4 times a d ay ever since early  XXXX , because before then I did n't answer, so I would like to sue them for the maximum amount if I can

Company response to consumer: Untimely response
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I checked my credit today and discovered that there is a  Capio    Partners  collection that was just reported to my credit. It seems they are asking for {$610.00} and the account number is "  XXXX  ''.     I did not receive any notice with a right to dispute before this was reported to my credit.     This is concerning because I do not know who this company is or why they want me to pay them such a large sum of money.     I 've done some research online and this company has been involved in several scam stories for many consumers. As a matter of fact, there is a 100 % negative review rating on the    Better Business Bureau! Considering their history, I am not about to reach to this suspicious company when I do  n't even know what this debt is for.     They need to explain who they are and why they want me to pay them {$610.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted Transunion about a fraudulent dismissed bankruptcy on my credit report. They are the sole reporter of it and when I contacted the origination court they do not have a record of it. I never filed for bankruptcy, I have no history of bankruptcy and transunion will not verify this outside of the flawed  XXXX  system that spits it onto the page as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc.
State: CO

Complaint narrative:
on  XXXX   XXXX ,  2014  I purchased furniture from  XXXX    XXXX   store #  XXXX . I if you paid it off in  one ye ar there would be no interest charged. They also automatically send you a credit card. The store and the credit card are separate. was not known at the time. I took my first payment into the store the day it was due. The clerk took my cash, which was {$140.00}. she gave me a receipt and I left. The next day  XXXX    XXXX   started calling me about my payment. that it was late and I would not qualify for the no interest agreement. I told them I paid in the store and I had a receipt. this was when I found out they were separate . S Th ey told me to call the credit people tell them what happened, they would refund the money then I could send it in to them. And there would be no problem, because it was the clerks fault not mine. So I did they sent me my money back, because i had never used the credit card. and never did. they took away the no interest because they said the payment was late. now years later a collection company is trying to collect {$140.00} plus interest. Now {$400.00} plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I ha d two Citi  credit cards. They both came with bonus points. After about one year, I cancelled  one  of the cards. Last weekend, I noticed that app rox 72,000 poin ts were deducted. When I call ed Citi, I was told   that when I cancelled, I was told I had 60 days to use those points or they would be forfeited. The representative told me that she would contact me after retrieving the phone call to cancel the card to make sure I was warned.     She called back to tell me they had no record of the cancellation but that they sent me an email with the information. I can not retrieve emails that old but have no recollection of this. Much worse is that the account has an {$87.00} credit balance. Think about this - they ran to take the points away but seem to be fine with holding on to my money. If they had any integrity, and if they truly had warned me, they would have sent me additional emails over those 60 days, certainly by day  55, to  " remind '' me that I was in danger of losing those points. I am very savvy about these things and have been very successful with points - this is totally inconsistent with my history. There is no doubt that their anxiousness to take my points while keeping my money speaks volumes. I want those points reinstated so they can be redeemed. If they had refunded my credit when I closed the account, they might have an excuse. Here they do not.

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 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Called on  XXXX / XXXX /  XXXX   at approximately  XXXX   XXXX   PDT, and spoke to   XXXX  " on   XXXX   XXXX   XXXX   ''. He refused to submit a dispute regarding my address, which is listed incorrectly with Experian. He explained that even though there is  XXXX  creditor reporting my address incorrectly, Experian would not allow me to submit a dispute to correct my credit record.     Now this is a problem as I have a credit freeze tied to my account and an incorrect address will make it near impossible to update. The incorrect address is due to a divorce and my ex-wife 's address being incorrectly reported as my current address.

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 2017-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
I checked my online report recently and discovered that there is a  Professional Adjustmen  XXXX  collection that is incorrectly being reported to my credit. It seems they are asking for {$1300.00} and the account number is "  XXXX  ''. I did not receive any notice with a right to dispute before this was reported to my credit. This is concerning because I do not know who this company is or why they want me to pay them such a large sum of money. I 've done some research online and this company has been involved in several scam stories for many consumers. Considering their history, I am not about to reach out to this suspicious company when I do n't even know what this debt is for. They need to explain who they are and why they want me to pay them {$1300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This company agreed to delete the account but keeps sending me letters requesting payment

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 2017-05-08 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: FL

Complaint narrative:
Transunion is incorrectly reporting an "  XXXX   XXXX  '' account on my credit report.     According to my credit, it was opened in  XXXX   XXXX  for a debt of {$1100.00}.     I have never had any business dealings with this collection company. I do n't know who they are or why Transunion is reporting a debt with them on my credit report.     This is not the first time I have disputed this account, I have sent written disputes to Transunion on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  to get this removed but time after time, Transunion has dismissed my disputes as frivolous and they refuse to remove this from my credit.     I want to add that Transunion is the only credit bureau who is reporting this to my credit.   XXXX   and  XXXX  have no record of this account. This does not make sense. How can Transunion verify that this account is mine but  XXXX  and  XXXX  can not? Would n't it also be reporting on my other reports if this was actually mine?     I am taking my complaint to the Consumer Financial Protection Bureau because Transunion 's blatant disregard of the law is unacceptable.

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 2017-05-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
Received a missed call to my business phone number on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   from  XXXX   XXXX   XXXX   XXXX . They did not leave a message.     Received another call to my business phone number on  XXXX / XXXX /  XXXX   at   XXXX   XXXX   form  XXXX   XXXX   XXXX   XXXX . They did not leave a message.     I called the numbers back from my personal cell phone to find out who the calls were from. Both phone numbers picked up with an automated system for  " ECMC ' s default management. '' On my phone call to  XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX /  XXXX   at    XXXX   XXXX    I was connected with a representative. The representative asked me for my personal social security number or account number and I let her know that I was calling because I received missed calls. She asked for the phone number that they had contacted and I let her know that it was the business phone.     She gave me the name of someone that I know and I let her know that the number they reached was the business line and that the person that they were trying to contact was not allowed to take personal calls at that phone number and to please make a record of that fact.     She pressed on and told me that they were attempting to garnish this individual 's wages and that they were going to file a non-compliant employer for my company at the address  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX . I told her that I was not associated with that address. She asked for more information, but I told her that I was not at liberty to provide any information and asked that it be recorded that the person their company was trying to contact was not allowed to take personal calls at the business phone number.     I feel that I was given private information about an individual that violated their privacy.     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 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I have been making regular payments on my mortgage serviced by  Caliber Home  Loans. Back in  XX/XX/XXXX  the escrow was ajusted of which I have no record of receiving and I am in a Winter home at that time so the mail was an issue. However once I was aware I made every effort to correct and with each payment that was not the full amount of the payment they conviently placed in a suspense account and began posting late fees etc, I have since been in contact with them in both   XX/XX/XXXX  and again in  XX/XX/XXXX   with the same response " your payment was late '' not once was the payment late. They have reported to credit agencies that the payment was late. I sent in additional payments to correct and am still told I have not made my payment. I call d again on Friday  XX/XX/XXXX  with no satisfaction, I then asked to speak with a supervisor and was told it may take 24 to 36 hours and   I was fine with that. On Monday I recieved a message on my phone from  XXXX  and I calle d back to a machine so I left a message to please call between  XXXX  and  XXXX  so I could have everything in front of me. I received no call back. It is now  XXXX  no call. I believe what they are doing with these payments is illegal. They are forcing late fees to hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: VA

Complaint narrative:
I have fraudulent inquiries on my account. I disputed these through internet as well as phone calls and they are telling me it ca n't be deleted.      XXXX , Equifax and  XXXX  : Credit Plus  XXXX   XXXX  :   XXXX   XXXX     XXXX     Equifax :  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation