vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-20 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: AR

Complaint narrative:
There is a collection account on my credit file for {$380.00} from a professional credit management. I have disputed this item several times because I have no knowledge of this account. I requested validation of this debt and never received anything.

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 2017-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I had Internet service at my Home in Georgia and the Internet was continuously having problems, so I called on several occasions to get XXXX XXXX XXXX to come and provide service to fix the problem. We set up an appointment and the technician did not show up on 2 separate occasions!! I was furious from missing work, etc. 2 weeks later the Modem went out and NOW the Internet was completely down, so I had no choice but to get XXXX XXXX XXXX out to my home and finally a tech showed up and stated that I needed a NEW modem and I said OK, then stated that I had to pay for it, and I refused because it was their modem and I was paying monthly for it!! I said, I NO LONGER want XXXX XXXX XXXX because you guys are horrible, the tech then said " I understand '' and started packing up. I told him to take the MODEM with him and he said " just throw it away, its fried ''! I said ok, called XXXX, who I am still with today. A year later, XXXX XXXX XXXX puts a debt on my credit report saying I owed them for a Modem!! I was beside myself and NOW, I have a collection agency hounding me, continuously refreshing their reporting to the Credit Bureau.. I dispute it and get it removed, and then they report it again with a different amount, so I called them and told them that they are harassing me and NOW its worse than ever!! They keep adding to the original {$19.00} they say I owe, which I do n't, and now its {$160.00}!! They refresh every month adding new fees. They are continuing to harass me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The recent Equifax hack ( XXXX-XXXX 2017 ) potentially leaked all of my most valuable personal information online. I would like to know what steps will be taken by Equifax to right this wrong. I would also like to know Equifax 's legal culpability in this event. For example, I am held accountable for how the information in my credit report is used, including if it is stolen. I expect the same from Equifax and view this as gross misuse of the information they have been entrusted with. My social security number is issued by the US Government and therefore I am also curious as to how they will be involved in this investigation. I personally believe the entire social security number system has been invalidated by this leak and this will be an expensive problem to fix, the responsibility of which I feel belongs to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants' Credit Guide Company
State: CA

Complaint narrative:
I KEEP RECEIVING CALLS FROM XXXX EXT XXXX. THEY ARE RUDE AND THEY ARE LIARS. IVE TOLD THEM I SHARE MY CELL PHONE AND THEY HAVE LEFT 4 VOICEMAILS SO FAR STATING THEY ARE DEBT COLLECTORS. MY CELL PHONE DOESNT IDENTIFY ME BY NAME SO WHY WOULD THEY SAY THAT. I WANT ALL CALLS TO STOP AS I WILL FILE A LAWSUIT FOR FDCPA VIOLATIONS IF THEY CALL AGAIN. ALSO LEFT ANOTHER VOICEMAIL ON MY WORK VOICEMAIL, AND IT WAS NOT LEFT AT MY DESK

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 2017-09-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
My complaint is regarding unethical late fees charged to my account. My first payment was made late and thus a late fee was assessed appropriately. However, the agent had helped me set up automatic payment after that payment to avoid any late fees. However, even though the automatic payment was set up, their system did not process the automatic payment resulting in me falling behind two months and having two late fees charged to my account. In addition the customer service rep, XXXX, from their collections department in XXXX, Arizona, informed me the automatic payment was set up to collect funds after the billing due date, which would have resulted in late fees being applied every month and automatically being taken out of my account had the automatic payment not stopped working. I think this is a thematic issue and could be affecting other individuals whom have had their automatic payments set up to have funds taken out after their billing date ( with the help of Chrysler customer service representatives ). XXXX requested her manager to refund my late fees however, her manager refused. The manager 's name was not provided to me over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-20 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: AR

Complaint narrative:
There is a collection account on my credit file for {$380.00} from a XXXX XXXX XXXX. I have disputed this item several times because I have no knowledge of this account. I requested validation of this debt and never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent TransUNion a letter requesting to remove unauthorized inquiries on my credit report! The accounts are listed below. 
XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX  indirect XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX The response I got from transunion was that the inquiries are factual record of file access. 

However if these inquiries are factual they must provide me documents bearing my signature from these companies, these inquiries must be deleted under federal law! 

SECTION 609 OF THE FAIR CREDIT REPORTING ACT!

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 2017-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
With the Home Depot company I have had many times late charges assessed because of late payments, only to have them eliminated immediately after I provide electronic proof from XXXX bill pay that there is electronic proof the payment was paid up to two days before it was due. They remove the late fee immediately Also, they either have a poor system when receiving payments and have a history of sitting on, /or seemingly not processing payments on time. It seems the receivers are late processing, and system then shows a late payment and another department clips on the late fee. I think this has happened 6-10 times with me, while they assure me the Payment was late. I 'll bet they make 10 's of millions of dollars on this. Everyone know these companies love late fees and its actually a revenue budget line, and yes they say each year. HOW CAN WE IMPROVE THIS REVENUE!!
Recently they also reversed a late fee, as a courtesy ... ..but I still had to pay the entire bill and late fee? Why?, because instead of an immediate waiver/credit, they credited my account??? Is this legit/legal? I still had to pay the fine up front. On a {$1200.00} balance I would not even feel this credit of {$35.00} and still pat to pay it out of my limited monthly budget. 

For consumers making minimum or limited wages with mouths to feed this can be reason burdensome and hurt consumers a lot in the pocket book

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 2017-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
There is one account in collections on my credit report. I sent a letter to the collection agency asking for the copy of the signed credit application for thed debt since the account is not mine. It appears as if my identity was stolen and someone took out a credit card in my name. The credit card company sold the account to this collection agency called : LVNV FundingXXXX Resurgent Capital Services. On XXXX XXXX, XXXX, I sent a letter to LVNV Funding,  requesting a copy of the signed application. The company that replied was Resurgent Capital Services. They sent me copies of Statements. On XXXX/XXXX/XXXX, I replied to their letter advising they sent me statements, however they did not send me a copy of the signed credit application so I can report this account as fraud to my local precint. I have not received the copy of the signed credit application as of XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: CA

Complaint narrative:
On XXXX XXXX or around that day, I applied for Citi Card at our local Costco store. The first time I entered the application online at the Costco store, the staff from Costco said I need to call Citi Cards. I did at that moment and they said it was denied because my XXXX XXXX did n't match. Costco membership had my old XXXX XXXX " XXXX ''. The representative on the phone from Citi Cards advised to have Costco membership change my name and resubmit new application for the credit card within the next 5 minutes. Which I did! This all happened in the matter of 20-30 minutes. 

I filled out a second application after my name was updated in Costco system. The second application again said I need to call Citi Cards. Which I did! The second time i called Citi Cards, the representative did not say anything but just said I will get a response in the mail in 10 business days. They do n't tell you " you are denied over the phone '' I understand. but when I received the letter from them, stating " Unfortunately, we ca n't approve your application. We reviewed your application and cant approve it because we could n't verify the accuracy of some of the information you provided. REALLY!!! 

I have ID theft protection on my credit reports, I have recently applied for other credit ( $ XXXX for a new car ) and was approved with NO ISSUES. When I apply for new credit ( normally ), the creditor gets prompted security questions they need to ask me before they proceed. The CITI Cards people just plain denied my application for " could n't verify the accuracy of some of the information you provided '' WHAT ACCURACY! maybe be more transparent over the phone and tell consumers what is going on!!!! 

I do n't know if CITI was plain lazy in proceeding with my application or there are some flaws in their system, but I find it OUTRAGEOUS that they are denying me for a credit card that charge almost XXXX % interest rate, while just a few months ago, I have been approved for credit cards with interest rate at XXXX %, and car loan at the amount of $ XXXX This is rigged. And on top of it, they will report me to the credit bureaus as denied because they did n't do they due diligence and XXXX me over!

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 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
Around XX/XX/XXXX I authorized XXXX XXXX XXXX to perform a background check. After about a week I found out that they faxed my information to a public fax machine in a library including my SSN, address history, and DOB. Further I also found out that this company shares this information with their overseas employees. The fact that they fax this information for employment verification is appalling, any employer already has this information and should not need it to verify my employment with them. Also the fact that an entire team in XXXX has access to my personal information is very scary, there are no regulations there and US citizens have no recourse if data is breached in XXXX. American information needs to stay in America!  This needs to stop! I suggest you investigate the actions of this company very thoroughly.

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 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent EXPERIAN a letter requesting to remove unauthorized inquiries on my credit report! The accounts are listed below. 
XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The response I got from Experian was that the inquiries are factual record of file access. 

However if these inquiries are factual they must provide me documents bearing my signature from these companies, otherwise these inquiries must be deleted under federal law! 

SECTION 609 OF THE FAIR CREDIT REPORTING ACT!

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 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
After exposing my information in a public manner by faxing it to a third party I contact Sterling Info Systems to withdraw my authorization to perform a background check. They refused to do so stating that only the original employer/requester can do that. This is unacceptable, this is my information that this company is putting at risk and has proven to not be able to handle properly. I am withdrawing and have withdrawn my authorization for them to provide a report to my employer as well as my authorization to continue any additional checks or screening. They have not complied and are continuing to do this work and continuing to distribute my personal information.

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 2017-09-20 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: NC

Complaint narrative:
i want to complain against EQUIFAX. a XXXX XXXX XXXX acct was turned over to XXXX XXXX XXXX  in XXXX, nc. i made an agreement in writing and have made all current payments on time since XX/XX/XXXX. XXXX has taken this acct off and i have a score of around XXXX. EQUIFAX however will not take it off and i only have a XXXX score on equifax. i want it removed just like it was with XXXX. again the complaint i want equifax to remove this acct from my report. all payments are caught up and on time with a mutual agreement in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This bank is horrible, each banking rep in person or on the phone will give you different answers. The scam works as follows : The backend computer system adds a delay to any deposits you make will be delayed as long as possible in order to charge you more overdraft fees. 

Any withdrawals are structured in such a way so that they will not appear on your statement or at the ATM until its too late. They structure them to their advantage. There are literally hundreds of other people that have this exact same complaint. I want a refund for all NSF fees i paid to this bank or I will sue them in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: MD

Complaint narrative:
My student loans are held by ACS. I have been paying on said loans consistently for over ten years. However, I recently returned to a XXXX  program and my loans were automatically placed into deferment. When I realized this, I called ACS to have the deferment removed and I immediately paid all accrued interest ( this Fall XXXX ). 

On XXXX XXXX, XXXX, I received a notice from ACS that  they again placed my loans into deferment. When I called to ask why, I was informed that they " automatically place loans into deferment based on information from the XXXX XXXX XXXX ''. Essentially, I was told that my school reports the information to the XXXX XXXX XXXX and they, in turn, provide the information to various student loan companies. 

What I find troubling about this stems from the statements from ACS representatives. I was repeatedly told that " they are required to place my loans in to deferment based on a federal regulation '' and " there was nothing they could do to stop this process. '' When I asked them to provide me with said federal regulation, they were unable to do so. 

However, Title 34, Section 674.38 ( a ) ( 5 )  states, " In the case of an in school deferment, the institution may grant the deferment based on student enrollment information showing that a borrower is enrolled as a regular student on at least a half-time basis, if the institution notifies the borrower of the deferment and of the borrower option to cancel the deferment and continue paying the loan. '' ACS gave me blatantly false information on multiple occasions and has continued to place my loans into deferment after I notified them that I wished to cancel the deferment and continue to pay my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian is absolutely refusing to give me a receipt for the money I 've spent with them. I paid XXXX dollars for a credit freeze and they are refusing to write me a receipt. Thus comes directly from management. Their industry has let ALL of my personal information " slip. '' I have to sue XXXX  to get me money back. Experian either wo n't send me a receipt because they are trying to protect their industries money or because they are prejudicial against my XXXX heritage. Either way it is unscrupulous and purposeful.

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 2017-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
Last year, XXXX XXXX, my wife lost her job. We contacted our mortgage company Ditech about mortgage relief in XXXX XXXX. By XXXX XXXX we were told they had all the documentation needed and it would be a 60 day assessment time to review with the underwriters if we fit into a mortgage relief program. After numerous calls and voicemails I filed a complaint here on the CFPB website on XXXX XXXX XXXX. Later that week we were approved and told to follow the documentation provided by Ditech to enter into a trail phase of 3 months of a relief mortgage rate. The trial period would be three payment one in each month of XXXX XXXX, XXXX XXXX and XXXX XXXX. After that, we were told that they would finish processing the mortgage relief paperwork and finalize the process. It is now XXXX of XXXX, a full year since we entered into the relief program and it is still not resolved after multiple phone calls all we are told is that they will mark our account for it to be reviewed quickly. It is very apparent that they are dragging their feet in hopes that we can not keep making payments and allowing the debt to collect on the account so they can collect a larger fee or we will be forced into foreclosure. Please help us get this resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation