vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 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: HEARTLAND PAYMENT SYSTEMS INC
State: NH

Complaint narrative:
I have {$3000.00} in loans that are currently being serviced by XXXX XXXX. The company is absolutely atrocious in terms of accepting payments and access to payment options. The company website breaks any time I have a loan payment due. Two months in a row now I have tried making payments through their website within 3 days of the actual due date. However, when I reached this three day window, the website will no longer allow me to log in. It says that my " credentials are invalid '', even though they worked before. In addition, the website will not allow me to reset either the password or username so I can obtain access. When I am able to get access, the website system will reject payments that I try and make through it. I'll receive a notice on the page saying " payment accepted '', but then the website will error out and log me off. When I log back in ( again, dealing with aforementioned issues ), all of the progress I made is erased and the payment never went through. When I tried linking a payment account to avoid their outrageous and unfair fees ( {$12.00} interest on a {$50.00} loan payment, plus 3.95 % and a flat {$1.00} fee ), the website refuses to accept the inputed account information. It will not automatically make payments as it says it will. Finally, whenever I call or try to use the live chat during business hours, I never get a response. Last month I was bounced around a phone system and on hold for over an hour and thirty minutes, just to be disconnected once I reach a human call center agent. All I want to due it pay my student loans without the threat of late fees, etc., from a company that refuses to accept my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: Voss & Klein, LLC
State: FL

Complaint narrative:
This is an attempt to collect a disputed insurance co-payment of some {$320.00} for a health care provider who never saw me after having ordered an expensive, unnecessary XXXX XXXX XXXX XXXX and whose office refused to explain his absence. I did engage in a monthly payment plan directly with the provider at first, but then my internist said I did not need such a test. I have contacted the debt collector to explain that I dispute having such obligation, that the charge was largely already covered by my health insurance, and that I would engage counsel to pursue the XXXX who filed this collection claim, for medical negligence. They continue to pursue me by impersonating a law firm with official looking letterhead and legalese and threatening negative reporting to the credit bureau which they say will result in adverse information on my credit for seven years. This is clearly in violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
on XX/XX/XXXX I see that I have of inquiries that ive never apply before. 
Since XXXX I 'am a victim of identity theft and I contact each and one of the Credit beur to report the Fraudulent Inquiries company that requested my credit report to obtain services or credit cards that I've never apply before and I was told by Transunion that I have to make a police report I went to the police department and made the police report to Transunion and contact them by phone and by mail and their customer service would not help me or take care of the negative inquiries reporting to my credit report. that I never requested credit. 
these are the inquires that were made by someone who stolen my identity to obtain credit. 

1.XXXX XXXX XXXX - XX/XX/XXXX 2.XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX 10.XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13.XXXX XXXX XXXX, XXXX 14.XXXX XXXX XX/XX/XXXX 15.XXXX XX/XX/XXXX 16.XXXX XXXX XX/XX/XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2018-05-02 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: NY

Complaint narrative:
i did applied for a loans XXXX XXXX XX/XX/XXXX, The XXXX  report was seriously delinquent.credits obligations unpaid. I had called XXXX and they toll me that there is an open unpaid account ; Reference # XXXX Creditor XXXX XXXX XXXX. Date XX/XX/XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. This is not my adress.I had never live in the XXXX. XXXX advised me to call the collecting agent XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX, TE.  XXXX e-mail XXXX They told me that if i paid they will removed the delinquency report, I did explain to then that the debtor is not me, that is noit my account but i did paid and trhe satisfaction was in full. XXXX notified XXXX, XXXX investigated and the y found the account is fraud.They promess me to removed the delinquency report, More than 40 days they did not remove.Last week i did applied again to city bank and still they repor Delinquency Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i did applied for a loans XXXX XXXX XX/XX/XXXX, The XXXX report was seriously delinquent.credits obligations unpaid. I had called XXXX and they toll me that there is an open unpaid account ; Reference # XXXX Creditor XXXX XXXX XXXX. Date XX/XX/XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. This is not my adress.I had never live in the XXXX. XXXX  advised me to call the collecting agent XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX, TE.  XXXX e-mail XXXX They told me that if i paid they will removed the delinquency report, I did explain to then that the debtor is not me, that is noit my account but i did paid and trhe satisfaction was in full. XXXX notified XXXX, XXXX investigated and the y found the account is fraud.They promess me to removed the delinquency report, More than 40 days they did not remove.Last week i did applied again to city bank and still they repor Delinquency Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: GUARANTEED RATE INC.
State: IL

Complaint narrative:
XXXX XXXX at Guaranteed Rate Inc has pulled my credit without my consent on XX/XX/2018. After he advised me that he pulled it i asked him why he did so without my consent, his reply was then QUOTE sorry for the trouble and good luck to you UNQUOTE. I asked him to make sure this doesn't show as a hard inquiry as i was shocked that he pulled it without my consent. I also asked if i should talk to someone else to have it removed.his reply was QUOTE Sure thing, i will look into it UNQUOTE.I asked him then to advise once done and have a letter send to me that it was taken care off, i expected something within 2 weeks. his reply then was QUOTE Again, good luck to you " Myname ''. I have always done good by you and did nothing wrong here UNQUOTE. since then i have reached out by phone and email to his boss XXXX XXXX and have never received a reply or call back.. I also had my attorney send a letter to XXXX at Guaranteed rate as well as XXXX, XXXX  and XXXX to try and have this removed. Neither XXXX or anyone from Guaranteed rate has replied, which in my opinion is very unprofessional from a company that claims to have the best mortgage experience on the planet. the unions have replied and mentioned that the inquiry removal needs to come from Guaranteed rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: AZ

Complaint narrative:
An account from XXXX XXXX is still reporting on my credit report as an open and active account. I filed chapter XXXX bankruptcy XX/XX/XXXX and discharged on XX/XX/XXXX. I have disputed this with Trans Union several times and nothing has been corrected or updated.

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 2018-05-02 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: TX

Complaint narrative:
I have been disputing things diligently with Equifax over and over. 
I have been told they don't have documents, I haven't disputed items, that they don't have my FTC report and Police Report and I am frustrated with the lack of effort they use to do their jobs. 
They are dealing with peoples credit and they show no regard while doing so. I have disputed fraudulent accounts that have been removed and now Equifax have allowed them to be reinserted under a different debt collector name ... .but the same accounts. This does not seem legal. I have called and requested the removal of these accounts and have been met with resistance the whole way. 
These accounts in question are : XXXX XXXX XXXX ( formerly XXXX XXXX ) -- --  that was referred to the Federal Reserve and that was suppose to be removed from all three cresit bureaus. But is still showing. 

XXXX  ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with XXXX and reinserted under a different name to Equifax . 

XXXX XXXXXXXX ( formerly XXXX XXXX ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name. 

I have disputed inquiries numerous times to all three bureaus asking the police report and FTC identity theft report be attached and to this date, they remain. 

I don't know what else to do if I have submitted all documentation and these representatives continue to misuse our information and give us false information to get us off the phone. 
My last phone call with Equifax lasted almost 2 hrs and I had to speak with at least 4 different people ... to which nothing was resolved. I came in on an outsourced line where I requested a US rep. I received the US rep with the initials XXXX, who was suppose to dispute these reinsertes accounts and I asked to speak with a supervisor to file a complaint because she didn't have my police and identity theft report and I was then transferred to another representative that wasn't even a super isor and learned that the previous representative didn't even file the dispute on any of the fraudulent accounts. 
THIS IS CRAZY!!! They are put in positions to control information that affect people lives and they do nothing to protect our information. Something has to be done about this. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: NE

Complaint narrative:
The contract was ended in 2016. The debt was written off by the company in 2016. This is no longer a valid debt. No valid contract exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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 — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I had a mortgage with Ocwen Loan which was closed 10 years ago in XX/XX/XXXX. XX/XX/XXXX... 

I see they added derogatory information on my report stating that I have been paying a 30-day late on my mortgage every month beginning XX/XX/XXXX until XX/XX/XXXX. 

This is incorrect as the mortgage was closed in XXXX. 

When I called Ocwen to get this settled, closed and removed, the person on the phone, said, They were only trying to regain their losses. 

This account should not be appearing on my credit reports. 

The last date of Activity on my account with Ocwen was in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Tried to get a modification due to hardship of divorce, loss of income. Submitted documents required and they gave me the excuse of the bottom of pay stub being ripped. They gave me the run around continuing to ask for more documents and claiming they didnt receive them. Her father had just passed away and lost all hope of everything including saving home. When I came in as third person party to help I got the auction date postponed. And started the process all over again for modification. This company has done nothing to help my client. Long story short they denied her the modification again so we went into short sale option. Now they have denied her the short sale at the last minute.There is no reason for them to deny the short sale. She has 13 offers on the property. I have detailed notes of each conversation dated and the person that I spoke with. I am at a loss as to how to help my client. She can possibly lose her job over this due to having a foreclosure on record it is considered suspicion of character. I have reached out to XXXX XXXX XXXX XXXX XXXX but I am not sure they can help. I need to help this family. This lender is fraudulent and corrupt and they need to have consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
The contract was ended in 2016. The debt was written off by the company in 2016. This is no longer a valid debt. No valid contract exists.

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 2018-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I opened SunTrust savings and checking accounts onXX/XX/XXXX When opening it, I transferred {$50.00} to the checking account and {$5.00} to the savings using the debit card of another bank. 

The balance of both SunTrust accounts was {$0.00} untilXX/XX/XXXX. Once the funds had finally been transferred, I used the checking account to send two small XXXX payments to my roommate. 

On the evening of XX/XX/XXXX, I attempted to log into SunTrust 's online banking system. A message appeared stating that my account had been locked and that I should contact a customer service representative for assistance. Upon doing so, I was told that both of my accounts had been terminated due to a violation of the SunTrust Rules and Regulations ; however, neither the original CSR nor  her supervisor would tell me the specific reason for the closure.

Then I was told that I would have to wait around two weeks to receive a cashier 's check for the balances that were in the accounts when they were closed. I asked if I could go up to a SunTrust branch and receive my money that way, and I was told no.

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 2018-05-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a mortgage with XXXX XXXX  which was closed 10 years ago inXX/XX/XXXX.XX/XX/XXXX ...

I see they added derogatory information on my report stating that I have been paying a 30-day late on my mortgage every month beginning XX/XX/XXXXuntil XX/XX/XXXX.

This is incorrect as the mortgage was closed in XX/XX/XXXX.

When I called XXXX to get this settled, closed and removed, the person on the phone, said, They were only trying to regain their losses.

This account should not be appearing on my credit reports.

The last date of Activity on my account with XXXX was in XX/XX/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 explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
company nameed " dynamic recovery solutions '' in XXXX, sc keeps calling and mailing saying to recover a debt that i dont owe. does not show on any of my credit reports. 

customer service number : XXXX

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 2018-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am applying for a consumer ( home equity loan ) and my lender is unable to obtain my credit report or scores. I have tried to remove any " freeze '' on my credit reports but the reporting agencies reflect I do not have a " freeze '' in place.

PROBLEM : I can not remove a freeze nor can the lender access my credit report.

I have made the loan application and have three days to resolve the access issues.

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 2018-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lending Club Corp
State: TN

Complaint narrative:
In the prior CFPB complaint ( XXXX ) in which I requested a validation of this account - the company Lending Club provided me with a ( 1 ) page  document ; which is attached, giving me only their snapshot of accounting and said the original creditor was named XXXX, and they closed the CFPB complaint without relief. The 1 page document they provided did not even list a contact person or phone number at Lending Club, or XXXX, and made the following outrageous claim that they were supplying me with " Other included items are written agreements and amendments, if any, payment transaction history, supporting documents, and if applicable, certain disclosures evidencing the existence of the above referenced loan number ''. You can take a look at that case number and clearly see they have sent me no such supporting documents, statements, signatures, etc that they say they sent. When I call Lending Club they have no clue how to help me, they said the debt was sold to XXXX XXXX XXXX. They are reporting my account as a charge off on all ( 3 ) credit bureaus as well! So many FCRA rules being broken and damaging me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 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: NC

Complaint narrative:
I am applying for a consumer ( home equity loan ) and my lender is unable to obtain my credit report or scores. I have tried to remove any " freeze '' on my credit reports but the reporting agencies reflect I do not have a " freeze '' in place. 
PROBLEM : I can not remove a freeze nor can the lender access my credit report. 
I have made the loan application and have three days to resolve the access issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am applying for a consumer ( home equity loan ) and my lender is unable to obtain my credit report or scores. I have tried to remove any " freeze '' on my credit reports but the reporting agencies reflect I do not have a " freeze '' in place. 
PROBLEM : I can not remove a freeze nor can the lender access my credit report. 
I have made the loan application and have three days to resolve the access issues.

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