vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have made an anticipated payment for XX/XX/XXXX to Select Portfolio Servicing , Inc. on XX/XX/XXXX for {$1200.00} because I'm travelling internationally and won't be able to process payment ; I indicated XXXX payment in the memo, however, the servicer has taken the payment and applied to my principal, thus creating a hardship for me because I wont be able to make the XXXX payment from oversea. 
I have requested the payment to be adjusted several time, without avail. Why are servicing applying payment to principle without my authorization? 
Loan No XXXX Select Portfolio Servicing , Inc This issue has created a great deal of street for me during my travel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: TN

Complaint narrative:
There are two problems with Experian.

I attempted to obtain a single-use Personal Identification Number, to temporarily unfreeze my credit report to have electric service turned on. After inputting CORRECT information, I got a screen that stated that they were unable to honor my request. No explanation, just unable and to send in a letter with several forms of identification. As there is no electrical service at my seasonal address, using the mail was not an option. So I attempted to call, to no avail.

Thus the second problem with Experian. It is impossible, as far as I can tell, to reach a human at the toll free number. I tried several times using various numbers. I XXXX " talk to a human at Experian '', and none of those suggestions worked out. This alone is totally unacceptable, and must be fixed.

Another unsatisfactory past experience with Experian occurred last XXXX was when I attempted to obtain my free annual credit report using the website. After inputting all the CORRECT information, I was told that the request would have to be made by mail. This was the case for both me and my wife. Again, no explanation was offered. At that time, I mailed the request, and received the credit report. Time was not of the essence then.

Part of the reason for requiring these requests be mailed nay be to inconvenience people to the extent that they give up. Some of it is to protect consumer data, but if correct data is supplied in the website form, then access to the requested service should be instant.

Obviously all this stonewalling is extremely frustrating!

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 2018-12-26 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: TX

Complaint narrative:
I have submitted letters to TransUnion onXX/XX/2018, XX/XX/2018 and again on XX/XX/2018. They have refused to verify these accounts and are in violation of the FCRAs.

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 2018-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Helloo.. 
My name is XXXX XXXX, I signed up with XXXX XXXX XXXX XXXX XXXX and put {$150.00} plus 5 more payments plan which is equal {$750.00} And I just find out they are a total scam. They stole money from me and I just want it back to put towards my actual loans please. Anyone have any information on how to get our money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2018 I applied for a loan online and the company stated they needed a credit report from Transunion to complete the application and forwarded me to a transunion website. The website stated it would forward the company a report for {$1.00}. 

I never saw the credit report they were supposed to be forwarding to the loan company and today I got a bill on my account for {$20.00}. When I called to cancel the debt I got a lecture from someone speaking broken English about the legal sufficiency of their charge and a lot of XXXX about identifying myself and the importance of a transunion credit report for job searches, and credit matters, but no action on removing the charges and no action on cancelling the recurrent debit. 

The customer service rep acted as though he was a lawyer and career adviser but failed to address the issue about the debt. The Transunion rep claimed that in agreeing to purchase the {$1.00} one time report I agreed to a recurring debit and it stated so on the website. The website may mention something about a recurring debit but it is not in a clear an umambiguous fashion. To hide a recurring charge in the fine print shoutd be illegal and is at best unethical. Moreover, the day I noticed the charge ( which is today ) is the same day the charge was made and the same day I contacted them. Now they are trying to insist that those charges were earned. The only thing I received from them was an invitation to register for their services, I never logged in, or accessed their services in any way. I never received an e-mail acknowledging the recurring debit. XXXX, I don't even know if the lender ever received the report I was seeking to send them, which led me to transunion 's web site in the first place. Is transunion pretending to be a lender just to get people entrapped in their recurring debit scam?. 

I would like the FTC to look into this type of practice and force the credit reporting agencies to make sure the consumer acknowledges specifically separate and apart form their {$1.00} promotion any recurring charges. Moreover, Transunion should be forced to return my {$19.00} cancel any future charges they plan to make on my account and their customer service personnel need to be retrained to understand when a person calls to cancel a service it is not up to them to make the caller feel like he is guilty of being inattentive and at worst stupid for wanting to cancel a service they did not seek out. All they had to do was cancel the service and instead they try to make you feel like " if you are nice we won't continue to cheat 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 monetary relief
Consumer complaint received 2018-12-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent an investigation request to the credit bureaus on XX/XX/XXXX, but they have not responded yet. They are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: AZ

Complaint narrative:
The debt showing on my credit reports is not mine. The account states that it was opened on XX/XX/XXXX. During this time I was incarcerated until XX/XX/XXXX. There is no way I could have established this account nor give anyone else permissions on my behalf. Based on the information showing on my reports, I cant even identify what type of account this is. However, I do know that I was not in the position to have opened this frivolous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
RE : Complaint XXXX about HSBC HSBC offers a  {$200.00} bonus to open an online checking account. I applied months ago and was declined. The ending questions were supposed to be about my credit, and none of the questions were about me or my lenders. I complained to CFPB. HSBC just replied this date, XX/XX/XXXX, saying they did nothing wrong. So I tried to apply again and was declined. This time I printed everything. Question 1 asks me if I  opened an account in XX/XX/XXXX from XXXX, XXXX XXXX, XXXX, or XXXX. No, I didn't. These are not my accounts. Question 2 asks me about XXXX XXXX ; yes, that's my account. Question 3 asks me about a mortgage I opened in XX/XX/XXXX, but that mortgage company, XXXX XXXX, is not listed in their multiple choice. Question 4 wants me to report the mortgage monthly payment, and my payment is higher. Question 5 says I closed an auto loan, but XXXX is not listed. I obviously will not be able to open this online checking account and receive the {$200.00} bonus because it expires in 2 days. Please see the printouts I've attached. HSBC says " Unfortunately, there were discrepancies in the information provided when compared to your credit report and the applications in question were declined. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: TX

Complaint narrative:
The following account you are publishing about me is inaccurate and incomplete : XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX   XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX  XX/XX/2018 I have contacted Equifax more than once regarding this same issue and they do reply on here that they are working on it but never fully finish. I have sent in identity theft package and requirements. They have failed to comply with federal law regulations. 

I need this removed as soon as possible because reporting and publishing inaccurate and incomplete information in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX Vin # XXXX I have refinanced my vehicle with chase bank i have not been able to get DMV tags since XX/XX/2017. DMV is not clear who is a the lean holder on the title is. I have called chase bank many times and send them all the required documents but they have not able to help me to get my vehicle registered since XX/XX/2017. This vehicle was for my big family to travel and enjoy but it has been a headache since I refinanced with chase. I been making every monthly payment for this vehicle but have not been able to drive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
This complaint is regarding the close out of a lease and a new lease both with XXXX. 

On XX/XX/2018, my lease with XXXX should have ended once the dealership paid off remaining payments. In error, 2 payments were drafted from my checking account in the amount of {$290.00} on XX/XX/2018 and XX/XX/2018. 

I have made multiple calls to get this issue resolved. I have been told various amounts for refund due to me including {$890.00}, {$590.00} and {$290.00}. I have been promised a check arriving XXXX, XXXX XXXX refund, and emailed check ( call on XX/XX/2018 ). We all know that a check sent via email can not be negotiated. Whenever I call in, I need to start all over and get different info each time. I was told that not all calls are recorded. 

I emailed XXXX and received confirmation of receipt on XX/XX/2018. I received no response or resolution from this complaint. 

Today I called and was advised that one of the over payments was credited to my new lease. However I can not see that on a statement nor online. 

The last I was told told is that I am due a check in the amount of {$290.00}. No one is giving me accurate information on why an over payment has still not been refunded to me. XXXX XXXX is the supervisor that I spoke to today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have been dealing with Transunion for early 18 years plus they constantly have two separate credit files and refuse to merge them together reporting inaccurately and keeping old information, I got a recent copy of my credit report and as usual two separate files that should be together but are not. Therefore giving me a score that is low and causing me to be constantly denied. For a car loan, house or insurance and causing me financial crisis.

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 2018-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Richard Sokoloff, Attorney At Law
State: TX

Complaint narrative:
Richard Sokoloff Attorney at Law claims to have served me with a judgement that I never received and didn't want to give me any to verify, stated my spouse and I received services and they would not give proof of being served. WHen we contacted the dental place they have no records of what services were provided so no way to verify that this is a legitimate debt. 
Worse is this was a judgement from XX/XX/2012 and now 6 years later that I have more than the amount they can place a lein from my insurance check, they place one. 
The lawyers info is XXXX XXXX  XXXX - XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2018, I submitted a dispute towards unverifiable items on my credit report, asking for proof of Original documentation of the transactions in question. I received neither proof or response in regards to any progress of reconciling and removing the improperly reported accounts.

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 2018-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: QC HOLDINGS INC
State: IL

Complaint narrative:
While coming into this location today I entered trying to pick up a XXXX XXXX. The representative was immediately rude " XXXX '' I believe was her name. She told me I needed two forms of ID in which I informed her I was just at that location and helped two days ago by the representative sitting right next to her. She immediately started to have an attitude putting her hands up as if to tell me to XXXX XXXX then literally telling me it doesn't take all that. I told her she was being rude and she continued a banter back and forth which led to a full argument. She began to tell me that she was going to look into the records to find out where I lived. As I left I told her she was rude and that she walked in the store through the door like everyone else to emphasize we are all human beings and she then to go back and forth calling me a " XXXX  '' word repeatedly and saying she was going to find out where I lived. I perceived that as an immediate threat and breach of consumer records and I told them I was calling the police which I did. The manager did nothing to tell the worker to stop cursing me out and threatening me and she then told me to leave the store even as her employee was cursing me out in which she sounded as if she was on drugs or drunk. I found this even more frustrating as I called the customer service line and had the operators bounce me around to random voicemails and claimed no supervisors or managers were available. I have never been spoken to in such a way. I informed the manager that I would be reaching out to have the corporate offices pull the audio and video. When I asked the manager if the cameras also record audio the manager refused to answer the question and allowed the worker to continue to rant at me and call me a " XXXX ''. I can not believe I had my life threatened and a worker flat out say in front of her manager that she was going to go into the records to find out where I lived.

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 2018-12-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have repeatedly tried to submit online disputes regarding my Equifax personal credit report. Each time, while making online disputes, Equifax suffers a " technical error '' and shuts my online dispute down. This has happened several times. I tried contacting Equifax customer service, but each time I was ignored. The web email dispute system that Equifax offers instead of the online dispute is inadequate because my Equifax credit report does not include the full account numbers for the accounts I am trying to dispute. Without the full account numbers, I can not complete the web email dispute form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reported to Experian that they were reporting inaccurate information in regards to my bankruptcy. I received a letter stating the the information had been verified. I followed up with a letter asking to provide me with who and with whom the account had been verified with. I was not given this information only that it had been verified.

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 2018-12-26 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 wrote Equifax on XX/XX/2018, XX/XX/2018, and again on XX/XX/2018. Still to this date they have not removed these unverified accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
Finance systems of Toledo keep trying to collect two {$50.00} amounts and one {$120.00} dollars amount that's not mine. I have asked for a itemized statement and they won't provide it. I understand the amount is small but it's not mine I'm sure it would be easier to just pay it but that's not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
Ive contacted the company many times trying to get title and no response yet

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit reported an account that belonged to someone with a similar name that does not belong to me. I have never lived at this property called XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: OH

Complaint narrative:
On XX/XX/2018 I wrote a letter to Equifax disputing a bankruptcy that was being reported on my credit report. On XX/XX/2018 I received a reply back from Equifax Confirmation # XXXX stating the information I disputed has been verified as accurate. They claim their source was verified by XXXX XXXX. 
I received a statement from XXXX XXXX on XX/XX/2018 stating they removed the bankruptcy from my consumer report. They went as far as to send me my consumer report and it shows no records being found under the Bankruptcy records section on my report. 
For Equifax to reply that it was verified as accurate was a blantant lie and they tried to deceive me. That is a clear violation of Fair Credit reporting Act 623 which is clear injury to my credit report and credit score.

I am enclosing all of my proof here.

Company response to consumer: Closed with explanation