vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I tried to login in with my Equifax login information as was given an error message that I needed to call in and get a new password. I called in and able to talk with a woman who I could hardly understand. She was asking me questions in very poor broken XXXX. I asked on over 10 times to be transferred to US based customer service. At this point she and I are both very frustrated. She told me she was not able to verify my identity and that I would need to send in Information. I'm not sure what information or where to send it. 
I again asked to be transferred to US based customer service. She asked if I had any questions. I said YES. I don't understand what you are asking me to do. At that point she said she would tranfiet me and next thing i know she has hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: CA

Complaint narrative:
Sometime in XX/XX/2019 I found the below accounts on my file that are not mine. I have issued a dispute leter on XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX with no investigative results report. There are a total of ELEVEN 30 day violations. Please refer to the attached IDENTITY THEFT POLICE REPORT and please immediately delete these accounts to avoid litigation.

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 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Banking has been harassing me calling repeatedly late nights after XXXX XXXX, sometimes after XXXX XXXX. They wont lower the amounts of bill and keeps adding fees even after me letting them know I lost my job and have very little right now. They agreed to put me on a program where I wont be charged late fees but yet I still am receiving them? & they keep calling me Over and over at inconvenient times. Its honestly just making things even more stressful, the bill was {$100.00} but is now over {$200.00} after all the late fees theyve continuously put

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
I made at least 5 payments of over 200 dollars to XXXX  and then paid the smaller amount for 2 years. I never missed a payment. This was supposed to last for 10 years. My income went down and randomly they decided to make my payment 150 times more than it was supposed to be. I couldn't afford it and they put my loans in default as well as gave me no credit for anything that I had paid towards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Sometime in XX/XX/2019 I found the below accounts on my file that are not mine. I have issued a dispute leter on XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX with no investigative results report. There are a total of ELEVEN 30 day violations. Please refer to the attached IDENTITY THEFT POLICE REPORT and please immediately delete these accounts to avoid litigation.

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 2020-02-27 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: CA

Complaint narrative:
Sometime in XX/XX/2019 I found the below accounts on my file that are not mine. I have issued a dispute leter on XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX with no investigative results report. There are a total of ELEVEN 30 day violations. Please refer to the attached IDENTITY THEFT POLICE REPORT and please immediately delete these accounts to avoid litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Per FTC sec 609. credit agencies are not validating my account they are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
Per FTC sec 609. credit agencies are not validating my account they are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2020 I went into the inside teller at a TD bank location in XXXX XXXX Florida. Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX. At around XXXX XXXX est time to make a cash deposit in the ATM machine. During that time I made a big cash deposit around XXXX $ mixed bills 100s 50s and 20s. Around XXXX est time. The machine was still processing the funds. Immediately reached out to an employees that was still in the branch. I told him the situation. He went to get another employee the employee assisted with seeing how much the machine took. I told him a rough estimate. I was going to deposit a total of {$5600.00}. The machine took between XXXX . The representative told me to pull to the window to get my information. I deposited the remaining money I had on me. He took my information told me to go into the branch in the morning to get it handled. I was informed if the atm is over during the morning they would know whos account the money belongs to and it would be taken care of. I am opening this case now to be safe if the issue is not resolved. Multiple cameras including the ATM have me on video. So it should not be complicated to credit my account. Poor quality machine hindering my opportunity to pay my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
On XX/XX/2020 I received my monthly mortgage statement from PennyMac indicating my payment was not received and I am already due for 2 monthly payment. Although my payment was received as it shows on the statement on XX/XX/2020 for the amount of {$1400.00}, and my monthly payment is {$1400.00}, so my payment was more than my monthly mortgage payment. 

I called Penny Mac and spoke to XXXX ID # XXXX on XX/XX/2020 at XXXX XXXX  ET, trying to understand why my payment on XX/XX/2020 was not applied and I was told because I am making a bill pay thru my bank, I told XXXX but I have been making the payment for over 6 years now and never encountered this issue and why now this changed without an advanced notice. 

I asked XXXX if she could escalate this matter because this is impacting me since my payment is not applied properly, I was told since I am making my payment from my Bank this is the result basically. 

I think this is not right and PennyMac is not treating my fairly by applying my payment properly to the account to reduce my principle balance properly.

Could you please advice as to what I can do since PennyMac are not willing to fix the problem nor acknowledging the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
1 ) XX/XX/2019 : I was booking my air ticket to XXXX using the XXXX web site. My first option was to book the ticket using the travel agency XXXX, which I did. The transaction was not completed at the time of payment as the screen went into a processing loop and I did not get any confirmation from XXXX. 
Not being successful, I booked my air ticket using XXXX through another Agency XXXX XXXX.The transaction was processed and I received a confirmation. 
2 ) XX/XX/2019 : I received my credit card statement and I was surprised to see two charges for the same booking. Somehow the first transaction had gone through. I called the credit card company regarding the duplicate charges. They agreed with me and issued a credit. 
3 ) XX/XX/2019 : The credit issued by the credit card company was on the wrong transaction.They issued the credit on the first transaction ( XXXX  ) instead of XXXX XXXX. This was subsequently corrected. 
4 ) XX/XX/2019 : To correct the duplicate billing a credit was issued on XXXX. At this stage the accounts were properly settled and I was only paying for one ticket. 
5 ) XX/XX/2019 : The credit company re billed XXXX, so that now I was paying for two tickets for exactly the same transaction. I have no idea why they did this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
Hello, I received a letter from Covergent in XX/XX/2020 stating that I owe a debt to XXXX XXXX XXXX , XXXX in the amount of {$16.00}, XXXX and they are will to reduce the balance to {$4200.00}. It says the original creditor was XXXX XXXX XXXX XXXX. I researched all three company 's and to no avail I'm still not confident this isn't a scam. The letter doesn't disclose the type of debt and what it is for i.e, car loan, cellphone account ect. Very limited information given but they want my credit card information. Seemed fraudulent because I don't owe a debt to anyone. I called to get more information and was asked for my name, address and social security number. I refused and they hung up. 

Please report Convergent, XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
information on credit report is not mines i have no knowledge of the collection and would like for it to be removed off of credit report

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 2020-02-27 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 — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Trying to unlock my credit to simply apply for a credit card. XXXX  and XXXX were not great, but Equifax was useless. I have account info from when I locked the account after their security breach, but their online site doesn't like my account info. I requested to reset my password, but got no response from their site. I called the support number, but apparently I could not answer questions about credit cards they thought I used, but they couldn't tell me what info they wanted. I must have guessed wrong about little used credit cards. Now I'm supposed to fax them a letter with my SS card and drivers license so they can verify my identity somehow. I gave them my SS number multiple times and I could have given them my license number if that was asked for. It's going to take 2 weeks for them to validate me once I fax a letter! My data is locked up in their mess of a system. No escalation, the remedy makes no sense, and it could cost me money. Who are they accountable too?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Navient has failed to provide correct and up-to-date information about my loans. Even with the information that IS provided, it is VERY confusing. On my account, it states that on XX/XX/2020, a payment of {$840.00} was made to ALL of my accounts with Navient. Yet, it says an amount of {$270.00} was due on XX/XX/2020 when there was a payment already made. So I am unsure how to proceed because I am unsure if Navient is processing my payments correctly which will only further harm me and my credit. I demand that Navient provide accurate information and processes my payments correctly as I feel that I am over paying on my student loans. They are taking more money from me, which is harmful and deceitful, and not properly notifying me about what they are doing with my payments. 

In addition, a Navient representative told me that the reason why my payments were not processed properly was due to them " not seeing '' instructions that accompanied my XXXX payment. When I asked an XXXX representative, they told me that Navient should be able to see it. Therefore, Naviet lied to me about not seeing my instructions and have been incorrectly parceling out my payments for an unknown amount of time. Again, clearly a deceitful practice that harms XXXX members that Navient uses for their own gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I have numerous medical bills on my credit report which goes against the laws. Wakefield associates have to open accounts on my credit report, account resolution services, XXXX XXXX and account resolution corpo

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I have numerous medical bills on my credit report which goes against the laws. XXXX XXXX have to open accounts on my credit report, account resolution services, transworld system and account resolution corpo

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HCFS Healthcare Financial Services of TeamHealth
State: MO

Complaint narrative:
I have numerous medical bills on my credit report which goes against the laws. XXXX XXXX have to open accounts on my credit report, account resolution services, XXXX XXXX  and account resolution corpo

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 2020-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: MD

Complaint narrative:
Hello, I received a letter from XXXX in XX/XX/2020 stating that I owe a debt to DeVille Asset Management , LTD in the amount of {$16.00}, XXXX and they are will to reduce the balance to {$4200.00}. It says the original creditor was XXXX XXXX XXXX XXXX. I researched all three company 's and to no avail I'm still not confident this isn't a scam. The letter doesn't disclose the type of debt and what it is for i.e, car loan, cellphone account ect. Very limited information given but they want my credit card information. Seemed fraudulent because I don't owe a debt to anyone. I called to get more information and was asked for my name, address and social security number. I refused and they hung up. 

Please report XXXX, DeVille Asset Management , LTD, and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sarma
State: IL

Complaint narrative:
On or about XX/XX/XXXX, I went to Quality Urgent Care in XXXX XXXX, Texas for an unusual urgent visit. I am employed by the XXXX as an XXXX XXXX XXXX and I was stationed in XXXX XXXX, Louisiana at time while visiting XXXX XXXX for 30 days. I immediately reported the visit to XXXX or XXXX when I got back to XXXX XXXX. On or about XX/XX/XXXX, I received a notification by all three credit bureaus via application notification on my smart phone that all of my credit scores had dropped an average of 100 points due to Sarma Collections being added to my credit report without my consent. I immediately contacted Sarma to see why this was added to my credit reports and she did not provide with sufficient response. I told her that XXXX should be taking care of the bill and you should remove this debt until you give XXXX some time to look into my claim and pay for it. She told me she would call XXXX to clear this up and I did not receive any information. Sarma Collections and their phone number is ( XXXX ) XXXX. I paid the debt of {$320.00} today to Sarma Collections and requested that it be removed because of violation of the Fair Trade Commission Act on my behalf. Also, her excuse for me not being contacted is that I changed my address. It is not right that I was not given the proper amount of time to pay to debt so it would not post to my credit report. I am trying to buy a house and I also have a security clearance to maintain my job that will be affected behind these subpar business practices to get consumers to pay debts. Please help me get this collection off all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
A short sale was approved on XX/XX/XXXX by SLS Servicing LLC. The second mortgagee, XXXX XXXX, approved the amount they will receive on XX/XX/XXXX. SLS Servicing required the short sale to close on or before XX/XX/XXXX or the short sale agreement was voided. The problem is that the earliest date that the Chapter XXXX bankruptcy judge set for the review is XX/XX/XXXX. This action is putting me at risk of losing the buyer of my home. I am concerned over SLS Servicing looking for a reason to just foreclose on my home. SLS recently denied an extension of the closing date. They stated that the appraisal, that was performed on XX/XX/XXXX expires on XX/XX/XXXX. Before the court date. They are incorrect. It is standard in the mortgage industry that an appraisal valuation is good for 6 months. That would be until XX/XX/XXXX. Every request to extend and try to work this out is denied by SLS Servicing. They are causing a lot of unneeded stress on me and my family.

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 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXX XXXX XXXX Short sale package was submitted to SPS on XX/XX/20. 

On XX/XX/20 rep XXXX # XXXX called the homeowner to offer her options of doing a loan mod or a short sale, and gave the homeowner a list of documents that would be needed. *****I believe that SPS , when they asked the borrower what she wanted to do, DELIBERATELY BAITED HER into saying that she would prefer to stay in the home, however she also said that she knew it wasn't not possible and needed a short sale. SPS inappropriately decided that meant she wanted a loan mod, when they KNEW she had been applying for one many times over the past year and was continually declined. They then used that as an excuse to deny her the opportunity for a short sale, as is her right under CA XXXX. 


On XX/XX/20 we called in to SPS to make sure they received the documents we submitted for the short sale. We were told the short sale was closed out and SPS would not offer any option other than a deed in lieu or a loan mod. 


Clearly SPS does not know what is going on with this transaction, since we get a different story every time we talk to them. This is not acceptable. IN THE ORIGINAL CONVERSATION, XXXX STATED A SHORT SALE WAS ABLE TO BE OFFERED, HOWEVER IN OUR CONVERSATION TODAY WITH SPS THE REP SAID THAT IT WAS NEVER AN OPTION. WHO LIED? The homeowner was told she would have the opportunity to be reviewed for a short sale, and that is what needs to happen. I want the short sale re-opened and the file moved forward appropriately.

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