vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
My loan is not due to beginning accruing interest until XX/XX/XXXX, before which time I plan to pay off the entire principal. However, XXXX XXXX   took over collection agency and since then as been adding interest to the loan. I've called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to speak with customer service representatives about this ( as I've received bills each of those months telling me I have to pay my loan within 2 weeks  ) and each time they tell me the problem is taken care of. Yet, each month the amount owed increases. I called again XX/XX/XXXX after receiving another letter with more money added to my principal and the representative told me there wasn't even documentation of some of my prior calls. I was informed that a special team is looking into it as I've been incorrectly assigned the interest ( confirming that their system shows I shouldn't be getting any interest yet ). I should have heard back within 2 weeks. It is now 3 weeks and nothing has been done. I've received no correspondence addressing my concerns or confirming that something has really been done after any of the times I've called. On the website, my profile lists no active requests or details showing that my account is being investigated. More money keeps being added to my principal ( in total {$320.00} extra ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: MO

Complaint narrative:
I have tried numerous of times to block the following inquiries from fraudulently reporting on my credit report. My next step after this will to be filing a law suit on the companies as well as the agencies that's reporting the following inquiries, XXXX XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I received a letter from a debt collector on XX/XX/XXXX and I sent them a debt validation letter in return.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Disputed account with portfolio recovery associates on XX/XX/XXXX and XX/XX/XXXX through the credit bureaus because I didn't recognize the account and both times it came back verified. After pulling all 3 reports I noticed the account was being reported different with all 3 bureaus. I called portfolio recovery on XX/XX/XXXX to find out why was the account was reporting closed and late with XXXX, open and unknown with XXXX   and a totally different account number for XXXX. I was told the account is not closed and the account number with XXXX was inaccurate. I asked them to send information stating when the account was open and closed, when was the last payment made and for how much. I was told they had limited info that they will send and I needed to contact XXXX XXXX for more information. It is unfair and a violation for them to keep reporting and verifying inaccurate information and they won't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: MO

Complaint narrative:
I have tried numerous of times to block the following inquiries from fraudulently reporting on my credit report. My next step after this will to be filing a law suit on the companies as well as the agencies that's reporting the following inquiries, XXXX XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), and 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 2018-06-23 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: MO

Complaint narrative:
I have tried numerous of times to block the following inquiries from fraudulently reporting on my credit report. My next step after this will to be filing a law suit on the companies as well as the agencies that's reporting the following inquiries, XXXX XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), and 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 non-monetary relief
Consumer complaint received 2018-06-23 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: MO

Complaint narrative:
I'm requesting that the following accounts be blocked from my credit report. The credit reporting agencies will investigate and report back verified, but verified by whom, and supported by what physical documentation. As a consumer I have the right to request this so called vertification. However, I will file a law suit in my next attempt at this if for some reason this is again verified without providing me physical documentation. The following accounts in question are XXXX  ( XX/XX/XXXX ), and 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 2018-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I fell behind on my credit card payment. Capital One called my husband who is not on my account and asked him to pay my bill. When he refused they told him how much I owed them. I dont think thats legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: MO

Complaint narrative:
I'm requesting that the following accounts be blocked from my credit report. The credit reporting agencies will investigate and report back verified, but verified by whom, and supported by what physical documentation. As a consumer I have the right to request this so called vertification. However, I will file a law suit in my next attempt at this if for some reason this is again verified without providing me physical documentation. The following accounts in question are XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: MO

Complaint narrative:
I'm requesting that the following accounts be blocked from my credit report. The credit reporting agencies will investigate and report back verified, but verified by whom, and supported by what physical documentation. As a consumer I have the right to request this so called vertification. However, I will file a law suit in my next attempt at this if for some reason this is again verified without providing me physical documentation. The following accounts in question are XXXX  ( XX/XX/XXXX ), and 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 2018-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
i paid a collection account in full in XX/XX/2018. 
When the bureaus updated the information Equifax did not update the information. 
XX/XX/XXXX the company DELETED the account, as they said they would, from all 3 bureaus. XXXX and XXXX deleted it. On XX/XX/XXXX, it was gone. 
Not Equifax, Equifax is still reporting the account. 
I have disputed the information and called them several times in XX/XX/XXXX. 
Yesterday XX/XX/18, the rep was reading from the XX/XX/XXXX report. 
I have called the collection company 3 times during XX/XX/XXXX.

Yesterday I asked for a letter stating the deletion. They told me they deleted the account on XX/XX/XXXX. 
I explained how Equifax did not and what could i do, they told me to make a 3-way call to Equifax on Monday, to resolve it. 
Today XX/XX/XXXX I get an email from Equifax in my mail that says " dispute resolved '' but the account link does not work ALL DAY. I have tried to use this before and it works once in a while. 
Saturday Equifax is supposed to be open XXXX -to XXXX XXXX. I started calling at XXXX XXXX to XXXX ( had to go to work ) and no answer. 

Equifax previously made me wait an extra month for each of my updates. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I redeemd {$18.00} reward dollars on XX/XX/XXXX. I thought I redeemed as XXXX  store card statement credit. Waited for a week. The statement credit did not appear on the online account website. Called customer service. They said wait until the XX/XX/XXXX statement to see the statement credit. Waited until the XX/XX/XXXX statement. Did not see the statement credit. Called customer service. They say I used the rewards for purchases and they made some adjustments and wait for the XX/XX/XXXX statement to see the redemption. I don't think I should wait 2 months to know how the XXXX store reward dollars were used.

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 2018-06-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In typical fashion for BOA, when I called it today about a fraudulent charge on my mastercard, it  subjected me to its usual stream of meaningless recorded messages, long wait times, refused to credit my credit card, then hung up the phone on me. BOA clearly displaces the cost of complying with regulations intended to provide an even playing field for credit card issuers onto its customers to avoid the costs of a reasonable credit card operation that does not duck, weave and generally evade any contact with its customers that it can. In habitually wasting customers time, it dissuades many from recording problems with it. 

On XX/XX/2018, a fraudulent charge for {$85.00} posted on my credit card that I sought credit for. BOA hung up the phone when I did so. XXXX XXXX XXXX XXXX claimed that it mailed me some lawn seed but has no proof of delivery for it since I did not receive it. In its typical idiotic fashion, BOA demanded that I provide proof of non-delivery, rather than requiring the merchant to provide proof of delivery. The CFPB needs to ensure that the burden of proof in such situations is not routinely placed onto customers but on merchants who seek to charge for merchandise that is never received. When I objected to BOAs idiocy of requiring proof for a non-event, it said the merchant had 15 days to get something to me. Yet the merchant had already claimed that I received it. So this is another stroke of  brilliance and bad faith from BOA by which it prolongs the period of time it must issue credits to customers and enhances its own cash flows on the backs of its abused customers who are forced to have their time wasted and credits delayed by its hostile policies. 

As more proof that BOA evades contact with its customers, the contact phone numbers on the back of my card are scarcely legible. They are extremely small and use white typeface against a light grey background.

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 2018-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland is falsely reporting a settled and closed account as open. They never investigated to see if the account was closed they just reported the account in Collections on my credit reports. I contacted them, but they never resolved the issue. I have attached a proof of payment. The account was settled by XXXX XXXX XXXX XXXX XXXX. They are a debt assistance group. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$760.00} {$760.00} XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX  ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I would like to report Belk clothing store for high pressure sales. I work at the store in the store in XXXX XXXX Louisiana. There are times when the managers are paying cash to the employees when they run a credit application. There are also high pressure sales goals set for the employees. One employee was expected to get fifteen applications in one day in order to meet a goal. I also know that employees fill out applications for family members and friends just so they won't get in trouble with management. 

To be fair, I honestly do not think this pressure is not coming from local management. This behavior is demanded from higher levels of management.

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 2018-06-24 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: TX

Complaint narrative:
On both the XXXX  and Transunion Credit Reports there is a duplicate in the derogatory marks area. There is a {$910.00} debt to XXXX XXXX XXXX XXXX that is listed twice. I want the duplicate entry deleted. That would leave 4 derogatory accounts. However, when I tried to file a dispute with XXXX online I was unable to submit the complaint. First they ask for a 10 digit confirmation number that they never gave me. Then I tried to file the complaint and the website would not accept it. Same thing with Transunion. They do not allow people to file disputes.

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 2018-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I previously submitted a complaint about Transworld Systems Inc who responded by sending me validation of the debt. The paperwork they have sent clearly shows that I owe NO money to the XXXX XXXX XXXX. I spoke with XXXX reps and they have NO open accounts for me. And they stated that they handle all collections in house and never send bills to outside agencies for collection. 

This latest harassment letter is threatening that interest may be added to the amount that they claim I owe. I am a senior and this upsetting correspondence has an emotional component since it refers to expenses connected with my mothers death. Your website is full of complaints about this company. Cant you make them stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On both the Equifax and XXXX  Credit Reports there is a duplicate in the derogatory marks area. There is a {$910.00} debt to XXXX XXXX XXXX XXXX that is listed twice. I want the duplicate entry deleted. That would leave 4 derogatory accounts. However, when I tried to file a dispute with Equifax online I was unable to submit the complaint. First they ask for a 10 digit confirmation number that they never gave me. Then I tried to file the complaint and the website would not accept it. Same thing with XXXX. They do not allow people to file disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
In XX/XX/XXXX I was informed of a company called XXXX XXXX. This program was to help you find a home with selection of home to choose by number, and an agent would get in touch with you..You had to go through XXXX XXXX XXXX  and show proof of signing up with them to have an agent contact you by showing you the homes with no down payment nor closing cost only Rent To Own. NEVER happened the company has no contact, but XXXX XXXX XXXX   started taking payment out of my Checking account on XX/XX/XXXX first payment then second one in XX/XX/XXXX up until XX/XX/XXXX, contacting them they have only returned one payment, and I have nothing removed from my credit as said, nor have I seen the Agent to view any homes.XXXX was debited out of my account in order for me to use The XXXX XXXX but never has.

Thank You XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I feel behind on my mortgage trying to keep up with my Bankruptcy payments.

I received a demand for payment and contacted the loan servicer, FAYE SERVICES.

I was told that I needed {$13000.00} to reinstate my Mortgage. I contacted my lender and told them that I only had {$10000.00}.

I was told to complete the Borrowers Assistance Form if unable to reinstate my Mortgage.

I was told that my Borrowers Assistance Form was incomplete because I needed to provide proof of hazard insurance coverage and sign the Borrowers Assistance Form. I signed the form and the forced hazard Insurance was put in place by the lender, FAYE Servicing, as forced hazard insurance had been in place for the last 8 years.

I contacted Faye Servicing about obtaining the documentation of the forced hazard insurance and no assistance was provided. Even though Faye Service was listed on the Insurance Declaration Statement. This resulted in again my form not being processed and purposefully holding up the process to ensure foreclosure proceedings. As processing of the Borrowers Assistance Form would have clearly indicated what provided full preservation of my rights and determined my eligibility for assistance.

Faye Services ensures foreclosure by failing to process my Borrower 's Assistance Form even though all necessary documentation was in their possession. As the forces hazard insurance information was accessible to Faye Servicing as they were listed on the Insurance Declaration Page for months prior to requesting it. 

I started completing the Borrowers Assistance Form that listed a whole host of documents not previously requested, for the third time with a due date of XX/XX/2018 and I received foreclosure documents on XX/XX/2018.

I am now facing additional fees because Faye Servicing failed to provide me with any protections provided to mortgage lenders by law.

Faye Servicing also failed to keep me informed about critical information about the process of applying for foreclosure relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
When we bought our home, we had XXXX, then XXXX  XXXX XXXX, now Ditech We paid our mortgage for many years. When XXXX XXXX became ill we fell behind on our mortgage. Then we were offered a Loan modification and we thought that was really wonderful, but we paid ( 16 ) loan modification trial payments and each time we paid the required trial payments, we had to start over for some reason, such as the offer that was given us had expired and we had to be put into another loan modification offer. We don't know where the payments went or where they were applied. We constantly paid the trials and waited and waited never receiving the final loan modification documents. 

Ditech has not been considerate of any of the situation, they have not been easy to deal with. We have been submitting documents and as soon as we sens what they are asking for there is another request with a very limited time to send it in and when you do get the requests in there are more request waiting for you. We have Social Security Benefits and XXXX XXXX has a job ( salary ) and their son contributes and he has a salary. 
We have sent all of this to them more than once. We certainly would like to know what happened to all of the monies we paid in trial payment to XXXX  XXXX XXXX before they sent us to Ditech who fail to research of help us.

Company response to consumer: Closed with explanation