vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-01 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, experian and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had not responded. XXXX removed the item, but XXXX  and XXXX still have it on my report. They are in violation of the law. 

I want this removed off my credit report on all credit reporting agencies immediately and also a letter from XXXX XXXX XXXX saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this.

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 2017-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I tried to reopen my Citi prestige card a day later i received a email stating the my reopen request was denied because of a late payment on my account I have never made a late payment on my account I sent them a payment via Mail on time they never credited my account resulting from their error I received a late status on my Citi prestige card

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 2017-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
This company is using robo-call and ghosted number calling our business trying to collect debts from consumers. Their info is below WE ELIMINATE BAD DEBT! 

ONLINE Information Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ONLINE Information Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX About ONLINE Utility Providers Property Managers Mortgage Lenders XXXX Providers Other Industries Contact What 's New? 


The XXXX XXXX XXXX Announces Integration with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


View All What 's New Items Contact Information PHONE : SALES : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Client Inquiries : ( XXXX ) XXXX CREDIT REPORTING XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Mortgage Reporting : ( XXXX ) XXXX MAIN NUMBER : ( XXXX ) XXXX ( XXXX ) XXXX ADDRESS : ONLINE Information Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Customer Testimonials " XXXX decreased our bad-debt write-offs!! '' - XXXX XXXX XXXX XXXX XXXX XXXX is committed to providing timely answers to questions we receive from our clients and consumers. To help us serve you more efficiently, please click the appropriate link below : Interested in Services?
I am a Consumer I am a Client Current News The ONLINE Rental Exchange is at the XXXX XXXX Users Connect Conference This Week! 
The ONLINE Utility Exchange is at the NEPPA Annual Conference This Week! 
Visit the ONLINE Rental Exchange at the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Show! 
Visit the ONLINE Rental at the XXXX XXXX XXXX XXXX XXXX! 
The ONLINE Rental Exchange is Exhibiting this Week at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Show! 
Visit the ONLINE Rental Exchange during the XXXX XXXX XXXX Annual Conference and Exhibition! 


View All News Releases Events Error has occured while trying to process XXXX : XXXX? XXXX Please contact web-master View All Events Site Map XXXX Employment | Consumers | Become an Integration Partner! XXXX Privacy Policy Copyright XXXX - XXXX ONLINE Information Services, XXXX All rights reserved. 

XXXX XXXX XXXX XXXX XXXX CDIA visa_image master Card Image

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Back in XX/XX/XXXX I submitted a letter to Midland Credit Management at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to verify a debt they were attempting to collect. I received a letter back from them in XX/XX/XXXX stating that they did not have enough information to verify the debt and that they would remove the information from my credit file and would no longer contact me.
In XX/XX/XXXX I received another demand letter for payment, on the EXACT same account they verified they would close. I called XXXX and spoke with a XXXX XXXX, an office manager, today XX/XX/XXXX who informed that the account should have been closed. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I would like assistance in disputing a charge on my XXXX XXXX XXXX. This charge is XXXX of several paid to a company named XXXX XXXX in XXXX of last year. This company charged me a total of {$15000.00} XXXX {$2000.00} of which is on this card ) after selling us on the idea of starting an online business. XXXX XXXX told us that the initial {$8800.00} we paid was to be inclusive of a custom built platinum e-commerce website, marketing, hosting and coaching. They did not do any other the things that were sold the custom website was never done instead they gave bus an empty cookie cutter that we were to do ourselves. The coaching was about selling on eBay and not at all relevant to the site. They did no marketing and the hosting was terrible the site was constantly down. This company has failed to provide the services that were sold to us and when we complained we were told that we did not buy the complete package and paid them another {$7000.00} and nothing further happened. This company has defrauded us by deceptively selling us this opportunity giving us false hopes and expectations of what would come. The intention of this business was to supplement our retirement income and has done nothing more than indebt us. They claimed that they would teach us and assist us in starting and running this business. I had thought I was at a loss as I have been told that I can not dispute charges over 60 days old. I have since discovered that this is not true since these charges are a direct result of fraud and misrepresentation from a telemarketing company. This being the case, I have the right to dispute these charges for up to XXXX year from the billing statement under claims and defenses.

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 2017-09-01 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: GA

Complaint narrative:
Notified Experian regarding inaccurate information on 4 tradelines. The results that were sent to me showed no changes to any of the 4 tradelines. 

The letter was received by Experian on XX/XX/XXXX. I received their responses on XX/XX/XXXX.  This is the correspondence that shows no change to the inaccuracies that were pointed out.

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 2017-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: UNITED STUDENT LOAN SOLUTIONS
State: CT

Complaint narrative:
In XXXX 2017 time frame wanted to look into other programs for student loan repayment. Thought I found a reputable agency called United Student Loans Solutions out of XXXX XXXX, FL. They had me fill out an application and contract which I have. Unfortunately, through this process I gave my personal identification information. Also, 2 paystubs from my current employer.
Thus far I have n't had any fraudulent activity, but I 'm hoping to stop something before it happens. At this time they have received {$460.00} from me via my debit card. I have notified my bank, they have cancelled the card, and I 've spoken with Identity Theft. I was advised by my current student loan company XXXX to get in contact with FTC ( done ), CFPB ( doing ) and my States Attorney General her in CT.
What has cautioned me to look into this is the fact they pulled funds from my account 3 days early last month, and I have tried numerous times to get a hold of them and nothing. Now their email is no longer valid, phone number of not in service and website no longer valid. There is one number that is assigned to a XXXX XXXX that rings and you can leave a message.
I would like to provide the contract, but nervous to have my information out ( again ). Please advise.
United Student Loan Solutions information : phone # XXXX Ph : XXXX Fx : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX  www.unitedsls.org email : XXXX Names : XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I was given a loan for {$110.00}, upon arrival to pay the loan, the amount loaned was changed to {$XXXX}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a home mortgage with XXXX XXXX bank, and our monthly premium was raised to {$4300.00} instead of {$3900.00} in XXXX XXXX. I was negotiating with my home insurance company and attempting to remove the escrow acct with XXXX XXXX so we can pay our taxes separately. 
We processed autopayment in amt of XXXX on time, and we also have been paying our monthly payments for 1 month in advance, so our account has XXXX $ in excess, which XXXX XXXX did not apply to the deficit of around XXXX XXXX All this happened within 30 days, and they reported me to credit bureau and it shows acct delinquent in the amount of {$300000.00}, and XXXX XXXX refuses to remove it. Our account with them is clear and in fact, we have a credit with them in amt of XXXX $ which they failed to apply to deficit.when we called them on several occasions, they are rude, and lie to us, they refuse to remove the false report on my credit. I have contatced their board of directors also, and therefore I want you to publish everywhere and have them correct this information with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a home mortgage with XXXX XXXX XXXX, and our monthly premium was raised to {$4300.00} instead of {$3900.00} in XXXX 2017. I was negotiating with my home insurance company and attempting to remove the escrow acct with XXXX XXXX so we can pay our taxes separately. 
We processed autopayment in amt of XXXX on time, and we also have been paying our monthly payments for 1 month in advance, so our account has XXXX $ in excess, which XXXX XXXX did not apply to the deficit of around 500 XXXX All this happened within 30 days, and they reported me to credit bureau and it shows acct delinquent in the amount of {$300000.00}, and XXXX XXXX refuses to remove it. Our account with them is clear and in fact, we have a credit with them in amt of XXXX $ which they failed to apply to deficit.when we called them on several occasions, they are rude, and lie to us, they refuse to remove the false report on my credit. I have contatced their board of directors also, and therefore I want you to publish everywhere and have them correct this information with the credit bureau.

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 2017-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
To whom it may concern, Please help me keep my home, I called my bank ( Bayview Loan Servicing ) asking help to modify my mortgage payment. After almost 4 months of waiting now my bank keeps telling me to wait because the investor of my loan is out on vacation.
Now that the investor came back from vacation, Bayview Loan Servicing is telling me that my modification is denied because it is not on the best interest of my investor to help me keep my home.
I asked what does that mean and they told me that they do n't want to help me modify because it is not on their best interest to help me.
Please please I am very concerned that now Bayview Loan Servicing is going to try to take advantage and take our home away. my interest rate is very high and adjustable which it seems like that 's why Bayview Loan Servicing it doing everything to deny my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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:
Obtained free annual credit report from Transunion on XX/XX/XXXX. The high balance in the report for a credit card was {$13000.00} from XX/XX/XXXX to XX/XX/XXXX with a credit limit of {$24000.00}. That is a utilization ratio of 56 % which is WAY more than the 30 % utilization ratio recommended for good credit score! That number is nearly double the correct value of {$6000.00} for month XX/XX/XXXX which is a utilization ratio of 25 % ... under the good credit criterion of 30 %. The report itself shows the account balance for every month between XX/XX/XXXX and XX/XX/XXXX ( see attachment 1 ) with the value of {$6000.00} for XX/XX/XXXX. I filed a dispute with XXXX bank about the high balance being wrong. Their reply was that they had provided accurate monthly data to Transunion and had no control over how Transunion stored and used the data. I then filed a dispute with Transunion about the high balance being wrong. Their revised report still had the value of {$13000.00} BUT also removed all the monthly balances which demonstrated that the {$13000.00} was wrong. I then refiled the dispute. The reply to the refiling was " VERIFIED AS ACCURATE ''. Attachment 2 shows the report dated XX/XX/XXXX shows the incorrect {$13000.00} with NO monthly balances to show the value is wrong ( see attachment 2 )

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 2017-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened an account with Ctizens Bank in XX/XX/XXXX. In XX/XX/XXXX, without my knowledge 4 more accounts were opened online and overdrafted. I did not find out about these accounts until i tried to open another bank account in XX/XX/XXXX and could not due to a low XXXX score. I then ordered a XXXX report that were all close due to account abuse. On one account the date reported was XX/XX/XXXX, and the charged off amount was {$320.00}. On aother account the date reported was XX/XX/XXXX, and the charged off amount was {$790.00}. The third account was reported on XX/XX/XXXX and charged off for {$1000.00} and the fourth charged off account was reported on XX/XX/XXXX and charged off for {$390.00} I did file a police report and I have sent numerous letters to Citizens Bank asking for signature cards to be sent to verify that indeed I did open these accounts ( because I did not sign any ) or if they can not provide such evidence to remove the negative marks off of my XXXX account and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am a victim of identity theft. I have previously disputed this information with ChexSystems however they have continued to willfully ignore my rights as a consumer and have not investigated this matter properly. I am now including new information in this dispute. In the attachments you will find a copy of my lease showing where I lived during this theft, a copy of my photo ID, a copy of the FTC identity theft affidavit and a copy of the notarized identity theft complaint provided by XXXX XXXX XXXX XXXX. 

The information being disputed is : Reported Information - XXXX XXXX XXXX This account was opened as a result of identity theft Reported Information - XXXX XXXX XXXX XXXX XXXX This account was opened as a result of identity theft I am disputing the following inquiries as I did not authorize them : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - 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 2017-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Former Complaint XXXX - DITECH FINANCIAL LLC After several months, Ditech apparently corrected their inaccuracy of the above complaint ( XXXX ). I visited the company website on XXXX XXXX, XXXX to review the changes and adjustments after they acknowledge their mistakes, which triggered this ordeal. I found that the past due payments were cleared and the payment amount is up to date. 

Notwithstanding for my surprise, I realized that Ditech generosity was shallow because what they did, after admitting their mistakes, pass all fee charges and escrow errors to my principal amount, which increased from {$110000.00} on XXXX XXXX, XXXX to {$110000.00} on XXXX XXXX, XXXX. Meaning that they didnt solve the problem, they just passed the burden to my principal account, at my cost. 

These are their last sentences from their letter on XXXX XXXX, XXXX, which I uploaded : Your concerns regarding your loan account have been escalated to upper management. The payments made to the loan account will be reallocated and the escrow account will be corrected. Any late fees will be waived and any negative information that has reported to the Credit Bureau Reporting agencies will be updated. Not sure this action was fulfilled??? 

Please allow additional time for corrections to reflect on the loan account. 
I did and I found the above surprise!!! 

Ditech sincerely apologizes for any inconvenience this has caused. 
Is not an inconvenienced because they passed the fees and escrow issues to my principal account. Apologies based on my expense???????? Seriously?????? 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I have purchased my vehicle in XX/XX/XXXX and financed it through XXXX XXXX XXXX. In XXXX of XXXX, I have completely paid off my loan. Since I did not get my title after paying off the loan, I contacted Hyundai in XX/XX/XXXX and asked to release my lien with XXXX XXXX and send me a letter confirming that my loan is paid off. I did not get any confirmation letter. 
At the end of XX/XX/XXXX I have decided to sell my car and contacted XXXX XXXX department to get my title. At that time I have discovered that the lien on my vehicle is still not released. After 5 calls to Hyundai and almost 9 month after paying off my loan, I still can not get my title. XXXX XXXX does not accept paper proof that I was able to get from Hyundai that my loan is paid off and Hyundai is failing to release my lien electronically. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ceannate
State: TX

Complaint narrative:
I got this letter in the mail in early XXXX, well I 've already signed a contract where I can not devote any of the information while I am paying off a loan that could be connected to the one given here by XXXX

Company response to consumer: Closed with explanation