vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On the week of XXXX XXXX I spoke to XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX and she told me that after I take care my account with them they would update my credit report reflecting my account is closed and have a XXXX balance and is paid and satisfied and also mail me a letter stating that as well after XXXX business days they receive payment. On XXXX XXXX I made payment like we agreed and called to follow up on XXXX XXXX since I noticed information and remark that was added on my credit reports from XX/XX/XXXX that is not accurate. I spoke to account manager XXXX XXXX who stated that she would have to pull the recorded message so she can verify that the information I gave her were true. After she obtained the VM to verify she said XX/XX/XXXX will update my account to reflect that my balance is " XXXX '' and that my account is closed and paid and satisfied as agreed.

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 2017-09-29 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: GA

Complaint narrative:
On the week of XXXX XXXX I spoke to XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX and she told me that after I take care my account with them they would update my credit report reflecting my account is closed and have a XXXX balance and is paid and satisfied and also mail me a letter stating that as well after XXXX business days they receive payment. On XXXX XXXX I made payment like we agreed and called to follow up on XXXX XXXX since I noticed information and remark that was added on my credit reports from XXXX XXXX that is not accurate. I spoke to account manager XXXX XXXX who stated that she would have to pull the recorded message so she can verify that the information I gave her were true. After she obtained the VM to verify she said XXXX XXXX will update my account to reflect that my balance is " XXXX '' and that my account is closed and paid and satisfied as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: NJ

Complaint narrative:
I am a victim of identity theft There has been a breach of my personal information as : Credit card accounts, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

Equifax is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc.
State: NY

Complaint narrative:
i have been geeting several calls from them all day everyday i even tried contacting them about it. i recently disputed XXXX with another debt collector because the bill was never as high as it is now i only owed {$1000.00} now its almost {$5000.00}. i refused to pay that much. XXXX XXXX XXXX  disputed it for me because i told them how bad service was about all the payments i tried to do and how XXXX also told me i wouldnt have any early termination fees because my contract was about to be over and just leave the lines suspended because they werent in use but now its a whole other story i tried telling people that at mbw and they gave me a line of XXXX. i also told them another debt collector was trying to collect from me at the same so they said they were gon na dispute it and never did now theyre saying its to late to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
In XXXX XXXX I Cosigned a {$4000.00} student loan through XXXX XXXX. In XXXX the borrower began having issues paying the loan and I sought information on several different occasions regarding deferment, forbearance, and income-based repayment plans. Every option was closed to me, as it was described by XXXX XXXX customer service representatives as " not any better than just making my payments on time. '' They said that if I wished to use any of these options there would be initial and monthly fees added on which would actually increase my bill more than what it already was. 

Since the inception of the loan Customer Service Representatives have made it difficult for me to discuss the loan with Navient ( formerly XXXX XXXX XXXX unless I had information from the borrower that I was never given, nor told to ask for. Conversely, at times when I would call CSRs would eagerly discuss the loan for which I was a cosigner as well as many of the other loan received by the borrower for which I was not aware or financially obligated. Inappropriately, the CSR discussed the status of borrower 's other loans in an attempt to seek payment from me. This demonstrated XXXX XXXX 's willingness to engage in subprime lending. They allowed borrower to continue to take out loans, though his 7 previous loans through the same company were in various stages of default. 

At four different times throughout the life of the loan ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) Capitalized interest has been added to the principle balance of the loan without explanation and without cause. Over the past six years I have paid approximately {$3600.00} to Navient/XXXX XXXX at 10 % interest on a {$4000.00} loan. However of the 3,600 only {$1200.00} of this has been applied to the principal loan. I still owe {$2800.00} of the principal amount. This loan has never gone into default and payments have been made on time for the past three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Years ago, I helped my elderly mother-in-law XXXX XXXX with some issues she was having with her credit card companies including Capital One. They were charging her a very high interest rates and had charged for services she never ordered. In order to talk to them about the account I was informed that I would need to supply them with a Power of Attorney. I prepared and mailed the POA to them. I then filed my complaints with the companies and with Senator XXXX XXXXXXXX XXXX office. As a result, some adjustments were made to her satisfaction, so my mother-in-law continued her relationship with the Capital One. Now fast forward 10 years or so, I had occasion to review my mother-in-law 's credit card statement and found my name listed as an additional card holder. I never authorized that they add my name to that credit card, nor did the primary card holder. When this first came to my attention, I called Capital One, ( this was 4-5 months ago ), explained the problem and asked that they remove my name immediately. I also asked how they were able to open an account without my permission. They were not very helpful in that regard, but said they would cancel the card. Today I checked my mother-in-laws statement again and found that my name was still listed as an additional card holder. I called Capital One again and spoke to " XXXX ''. I explained the problem and he promised he would take care of it. The only problem is, that they needed my birthday or the last four digits of my social security number. I refused to provide this information, but told him that I would confirm the last four of my social security number, if they provided it to me. He said he did not have access to this information nor did his supervisor. As a result he was not able to help me. I provided them with the primary card holder name XXXX XXXX, the last four digits of her credit card number ( XXXX ), my name XXXX XXXX XXXX XXXX the last four digits of the fraudulent card they opened for me XXXX XXXX ) and the zip code of the mailing address ( XXXX ). They were able to find the account with this information, but their insistence that I provide my personal information is where the process broke down. I never signed up for this card, so I not only want this card canceled, I would also like to know how they were able to add my name to her account. This sounds like the XXXX XXXX fiasco all over again. 

Primary Card Holder : XXXX XXXX Full Billing Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was logged into XXXX and after that I logged into Transunion. Upon viewing my credit report with each agency I noticed SEVERAL inaccuracies. A lot of spelling errors involving my name, several addresses that are listed incorrectly, my student loan debt is listed several times and is being improperly reported, two companies listed debts that I never consented and are n't mine, and lastly, several agencies have clicked into view my credit profile without my consent!! In the midst of trying to correct these errors, both companies logged me off and stated, " due to inactivity my session has timed out ''. I tried to log back in but both XXXX  and Transunion stated that the number of times I 've attempted to login have been exceeded, thus my account has been locked! Then I tried to check my credit with XXXX and it would n't even allow me to login. I am so frustrated and I have a lot of money that is due to be paid to me from the XXXX XXXX XXXX and I 'm afraid that someone has compromised my information as a method to steal my money and destroy my life. Please forward t grievance to the appropriate companies as I should not have to pay to view my credit report when I never received a chance to even review it the first time!

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 2017-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
XXXX My sons and I became stalked, harassed and illegally monitored by corrupt cops/XXXX XXXX XXXX and my felon ex husband XXXX XXXX also reported to FTC. 
My children were taken illegally. I was unlawfully detained ( they had no proof ) money was stolen from me. I was approved for a loan modification X/2016 at an unusually high rate by Ditech bank then they foreclosed on me with fraudulent statements and documentation ( lied ) using a real estate law firm in LA XXXX. This is now going to be part of the FBI case that is open of terrorism by these corrupt individuals. I have a claim/case open of fraud into the DAs office and home insurance. My move out date was X/X/2017. This should have never occurred and it stops at every level right now. 
I expect every corrupt participant to be charged and incarcerated for this crime, their businesses shut down permanently, my children returned to me safely immediately and full financial restitution and recovery for this immediately. Gods truth only. I want this completed right now-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: NJ

Complaint narrative:
I am a victim of identity theft There has been a breach of my personal information as : Credit card accounts, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

Transunion is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft.

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 2017-09-29 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: NJ

Complaint narrative:
I am a victim of identity theft There has been a breach of my personal information as : Credit card accounts, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

Experian is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft.

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 2017-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: CO

Complaint narrative:
US Bank has called 3 times in two hours. We are behind on our credit card payments ... we lost our business in XXXX of 2017. I have discussed with them getting on their hardship programs ... which is great, but they said to call back when we have a little bit of money to make a payment ... I agreed. The calls continue daily ... up to 5 calls during XXXX XXXX and XXXX XXXX ... I 'm also at work! 

XXXX is the same story ... continuous phone calls!

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 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was logged into XXXX and after that I logged into XXXX. Upon viewing my credit report with each agency I noticed SEVERAL inaccuracies. A lot of spelling errors involving my name, several addresses that are listed incorrectly, my student loan debt is listed several times and is being improperly reported, XXXX companies listed debts that I never consented and are n't mine, and lastly, several agencies have clicked into view my credit profile without my consent!! In the midst of trying to correct these errors, both companies logged me off and stated, " due to inactivity my session has timed out ''. I tried to log back in but both XXXX and XXXX stated that the number of times I 've attempted to login have been exceeded, thus my account has been locked! Then I tried to check my credit with Equifax and it would n't even allow me to login. I am so frustrated and I have a lot of money that is due to be paid to me from the state of Virginia and I 'm afraid that someone has compromised my information as a method to steal my money and destroy my life. Please forward t grievance to the appropriate companies as I should not have to pay to view my credit report when I never received a chance to even review it the first time!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was logged into Experian and after that I logged into XXXX. Upon viewing my credit report with each agency I noticed SEVERAL inaccuracies. A lot of spelling errors involving my name, several addresses that are listed incorrectly, my student loan debt is listed several times and is being improperly reported, two companies listed debts that I never consented and are n't mine, and lastly, several agencies have clicked into view my credit profile without my consent!! In the midst of trying to correct these errors, both companies logged me off and stated, " due to inactivity my session has timed out ''. I tried to log back in but both Experian and XXXX stated that the number of times I 've attempted to login have been exceeded, thus my account has been locked! Then I tried to check my credit with XXXX and it would n't even allow me to login. I am so frustrated and I have a lot of money that is due to be paid to me from the state of Virginia and I 'm afraid that someone has compromised my information as a method to steal my money and destroy my life. Please forward t grievance to the appropriate companies as I should not have to pay to view my credit report when I never received a chance to even review it the first time!

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 2017-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made two purchases with mybestbuy credit card. I have been having difficulty making payments for several reasons : 1. I do not know when a payment is due.
2. I can not log on the website to view the balance of my credit card statement, see purchases I have made, or make payments. 

I have contacted BestBuy and resolved the issue of not being able to log onto the website. The same issue has returned again. I am now being charged a late fee due to the fact of not being able to make payments on time because of technical erros on their side.

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 2017-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I get between 5 and 10 calls per day from USAA. I talk to the first caller in the morning, and the calls still continue the rest of the day. We lost our business in XXXX, so we have not been able to keep up with our credit card debt ... we are just trying right now to save our home. I tell them all the time ... when I have some money, and get ahead ... I will start taking care of the debt ... but it does n't matter, the calls continue all day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My concern is with JPMorgan Chase & Co. 's inability to provide my Heloc loan disclosures in accordance with the Federal Truth in Lending Act and possibly the Home Ownership and Equity Protection Act of 1994. They acknowledged receipt of my application on XXXX XXXX, 2017. I should have received Heloc loan disclosures with my application and then should receive additional disclosures prior to the loan being opened. I do n't agree with non-disclosure. We talked about this before and it is not my job to think of the questions to ask about the loan. It is Chases responsibility to disclose all the information regarding loan details to me. Disclosure of info only after the contract is written, delivered, and under a 24-48 hour suspense to secure the loan is seemingly inappropriate and not in my best interest. Additionally, it may be in violation of the law.
Chase will not provide details of how the Heloc works. I need to see the terms in writing, terms like how many years can I draw on the loan, can I lock the rate in, If I lock can I reopen and draw more if not at the max loan amount? If they exist what are late payment penalties, etc., etc. I have asked everyone from chase involved in my loan process so far, to include their executive office department that called me today. A conversation, filled with poor attitude on their part, that concluded with resending a letter they ( she ) admitted will not have the disclosure information I have been asking for. ( note : info I 'm asking for is not in regards to the interest rate as I know the rate changes with the FED ) I have a right to know the basic terms like what 's allowed, what can be done and what ca n't, basically how the loan works. It should be visible and obtainable by all customers to validate fair and equitable treatment as well as be in alignment with the Lending Act. The summary on their website is inadequate and truncated ( missing pieces ) to entice people to apply for their loan.
Furthermore, under no circumstance should anyone be pressured under a short 24 - 48 hour window to enter a contract which could potentially cause the lost of their home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: PA

Complaint narrative:
I have been paying my student loan on a monthly basis yet my balance seems to continue to increase. 
Representatives are not consistent with information. I 'm told something different each time I call regarding my loan and payment options. Something does not seem right with this servicer!

Company response to consumer: Closed with explanation