vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
CRA is in violation of FCRA, FDCPA and XXXX XXXX compliance..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have contacted Santander trying to resolve this matter for years now. I was scammed with this vehicle as it was a lemon crashed and fixed sold as new. I had this car repossessed due to Finamcial Issues and was given an offer for {$300.00} but they refuse to after payment is complete remove the negative information. This is incorrect as I asked for a pay for deletion. This balance of XXXX is due to fees and all this other miscellaneous stuff they have added on which is unfair to me due to the circumstances of how this all ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: IA

Complaint narrative:
XX/XX/XXXX My ex-husband told me he received a phone call ( voicemail ) referencing his date of birth, and saying they were looking for me for check fraud and his name was associated with the fraud. We have been divorced since XX/XX/XXXX.
XX/XX/XXXX I received a voicemail from a Ms. XXXX, who claimed to be a " Licensed Locator '' in XXXX XXXX County. She said she had papers to serve me at my residence, referenced an address I have not lived in in more than 3 years. Then stated that if I could not be served at my home, they would have to serve me at my place of employment. It was suggested that I, or an attorney should call the " Plaintiff 's '' office. 

When I did call the number and give the referenced " Case '' number, I was told that was not the correct number and that they could not control who the locator called and what was said to whom. 

The company was ARA, and the individual I spoke to claimed that it was not an acronym, that 's the name and would not give me a mailing address. He did not give me further information because he said that I had an incorrect case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XXXX/XXXX/XXXX I set an initial fraud alert with XXXX and was told they would share this request with Experian and XXXX. 

A couple days ago I received a document from Experian dated XXXX/XXXX/XXXX indicating that an initial security alert was added to my credit file. So far so good, the system works! This letter stated I can receive a free copy of my credit report by visiting their secure Web site. During the information entering process on XXXX/XXXX/XXXX the website crashed and kicked me offline. When I went to the secure Web site the second time to request my free credit report, and after the majority of steps were completed, I was told I was not eligible. I understand that these glitches happen so on XXXX/XXXX/XXXX I called Experian to discuss the issue with a representative. Unfortunately, every published number directs you to a automated system with no options that address the problem and no option to talk to a human!!! Of course, they provide plenty of opportunity to PAY for my credit report, the credit report that should be FREE! 
This really is a relatively straightforward issue that could have easily been resolved by talking with a customer relations person. However, since Experian does not seem to have any human customer service personnel, and after several unsuccessful attempts to contact a human at Experian, I had no other choice but to file a formal complaint. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: ORG GC GP BUYER, LLC
State: OH

Complaint narrative:
I have received letters from GC Services Limited Partnership -- - XXXX, MI XXXX and XXXX, TN XXXX -- - dated XX/XX/XXXX and XX/XX/XXXX demanding payment for defaulted student loan ( s ). 
They say they have tried to call me but, if they did, no messages were ever left. 
I have read numerous online reviews by other people who were contacted by this company. The reviews reveal many very serious allegations : Among the problems : > payments that were made to GC Services could not be and were not validated or confirmed -- - one victim was told that her " {$3000.00} was never paid '' ; > constant telephone harassment ( 3x per day ) for 6+ weeks ; > claims that the paperwork they sent was not received by GC Services ; etc. 

I am on a fixed income ; food stamps ; and living in a small, subsidized residence. 
I never expected to be in this situation but based on the many other reviews and my own gut instincts, I do not trust these people and suspect only the worst. 

Please send GC Services a " cease and desist '' notification of some sort. 
Thank you for your attention and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted XXXX trying to resolve this matter for years now. I was scammed with this vehicle as it was a lemon crashed and fixed sold as new. I had this car repossessed due to Finamcial Issues and was given an offer for {$300.00} but they refuse to after payment is complete remove the negative information. This is incorrect as I asked for a pay for deletion. This balance of XXXX is due to fees and all this other miscellaneous stuff they have added on which is unfair to me due to the circumstances of how this all ended.

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 2017-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
In XXXX I paid XXXX XXXX a {$500.00} deposit for a XXXX Back-up Battery for my home. On XXXX XXXX, XXXX I paid an additional {$3000.00} as deposit prior to installation. All were processed though Pay Pall but as a guest. I do not want Pay Pal, I do not need Pay Pal and my friends & children have had problems with payments processed through Pay Pal. I just want to pay my bill directly to XXXX! This past Friday ( after the installation was complete ) I tried to pay my final bill of {$4000.00} in the same manner as before and I received : " Things do n't appear to be working at the moment. Please try again later. '' On Monday, I called XXXX & was told all was in order & that they had approved the payment but the problem was with Pay Pal. After dialing through the phone tree, " XXXX '' told me : " that this was deemed a " risky transaction '' by their computer. '' I asked for a supervisor and was told : " There is no appeal! The computer ruling is not changeable! '' I was told that I must join Pay Pal and that I must process the payment as a member. THIS APPEARS TO BE SOME SORT OF RESTRAINT OF TRADE OR FORCED PAYMENT JUST SO THEY CAN COLLECT THEIR COMMISSIONS ON CREDIT CARD PROCESSING. IS N'T THIS ILLEGAL?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In XXXX of 2015 my wallet was stolen in XXXX XXXX, Colorado. After a day of realizing it was indeed stolen I called Wells Fargo to cancel my debit card at the time. About a week later after getting my birth certificate and SSN sent out from NC I went to the local branch to get my account back underway. One of the branch representatives asked me if I have been on my account in a while and I told him the situation and he said that someone over-drafted my account and emptied it completely. The perpetrator tried to pay off another stolen credit card with my debit card causing close to {$13000.00} in damages. The representative said they would contact fraud for this and fix this issue asap. In the mean time would open another account for me so I could have access to another debit card. Not even a week after the new account was opened they were charging this new account for the balance of the old one to the point where Wells Fargo basically charged another {$400.00} worth of charges for an account that was supposed to be frozen and investigated. The 3-4 business days to fix this situation turned into 3-4 weeks ... then months by XXXX I went through 11 sets of reference numbers and people were just putting me on hold and letting the call end. They were avoiding me because there was nothing I could do to pursue legal action. Its now 2 years later through the situation of wells fargo my credit is garbage. Most banks wo n't approve me for anything and I have practically someone using my information on a monthly basis. Wells Fargo is responsible for borderline ruining my life for a year, ruining my future financially and basically robbing me for $ XXXX. I want reimbursement.

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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX is in violation of FCRA, FDCPA and XXXX XXXX Compliance.

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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.

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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Avid Acceptance, LLC
State: CO

Complaint narrative:
I filed bankruptcy went to get a van in XXXX.2015. I had been paying on the vehicle for over a year and Avid Acceptance did not report one payment made. I came to find out that they put on our credit in the same month we purchased, that the account was in default. We told them they said it was nothing they could do, but kept wanting us to pay. We gave the vehicle back because they refused to fix this issue of reporting to the bureaus. Now they want to post on our credit a repossession. We have emails and proof from past credit reports pulled of their postings

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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovis
State: WI

Complaint narrative:
Without my authorization CBCInnovis made a hard inquiry that i believe is a violation. CBCInnovis is a company I do not recognize. I called the company and after a run around, XXXX XXXX told me that they would investigate the inquiry to provide proof of my authorization.. They then mailed the investigation report that included a unsigned loan application and unsigned authorization to release information claiming this my authorization. It is not it. I called XXXX again and call was unpleasent. Now CBCInnovis say they are just the middle company providing a service to a bank and that I should call the bank. CBCInnovis business practice and information control are seriously flawed and need to be corrected to protect consumers Details Hard Inquiry Dated XXXX XXXX, XXXX CBCInnovis 1st Call  about XXXX XXXX, XXXX Mail recieved XXXX 2nd call XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are 4 accounts showing on my Transunion credit report. The account numbers are : XXXX, XXXX, XXXX, XXXX. First and foremost, these accounts are Fraudulent accounts. Second, Transunion is reporting one of the 4 Fraudulent accounts as Open when it has been Charged Off. Per the information from XXXX, the 4 accounts were charged off XXXX. Third, Transunion is allowing XXXX to change dates on the account and change the account history in order to Re-Age the accounts and also Reset the Statue of Limitations. Each creditor signs a contract with Transunion where the creditor promises through this contract that they will report accurate information to the credit reporting agency. However, neither XXXX nor Transunion are abiding by the contract nor being truthful. These accounts are continuing to be reported and they are Fraudulent. XXXX is deliberately attempting to Re-Age these accounts and also Reset the Statue of Limitations. Transunion is allowing this violation of the FCRA an FTC to happen. This is  Illegal and therefore should on so many grounds be removed from my credit report Immediately. I have attached copies of my credit report from different dates showing how Transunion has allowed XXXX to Re-Age and Rest the Statue of Limitations on these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
Caliber, my mortgage broker made a major error and misrepresented the GFE, by using the taxes from the previous year on an unimproved lot, as the taxes on my new construction home. 

After a year, my mortgage payment increased permanently by {$480.00} per month due to the tax error, and required a large catch up payment for my depleted escrow, which they allowed me to make over time.
Caliber, was unapologetic saying " this happens all the time with new construction '', indicating neglect of responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am a XXXX XXXX XXXX and work very limited, part-time hours as a XXXX XXXX XXXX XXXX. During the 14 months I had my XXXX XXXX XXXX credit card, I made purchases totaling {$360.00} and made payments from part-time jobs totaling {$420.00}. I had a balance of {$240.00} ... ALL of which were late fees and interest from when I was XXXX  in XX/XX/XXXX and in and out of the hospital/unable to work through XX/XX/XXXX. I was not even able to communicate much of this time as I was on XXXX XXXX medication and endured 5 XXXX. I was diagnosed with XXXX  XXXX, more commonly known as XXXX-XXXX XXXX. I am very lucky to be alive, but dealing with many issues as I had to withdraw from XXXX XXXX University and move home to my parents ' house. I was not receiving any of my mail at all as I was not even coherent enough to change my address with the US Post Office. I have called XXXX several times and some of the late fees were removed from my account and I was given a fax number for XXXX XXXX XXXX customer service to explain my situation. I have tried numerous times to fax them all of my documentation of my XXXX, but their fax number does not seem to be working correctly. I can fax anywhere else with no trouble, but these will not go through. To avoid further fees and interest, I paid the balance of {$240.00} on XXXX XXXX. I feel that this should be refunded to me as it is all interest and late charges from a time period in which I was clearly unable to work, communicate with XXXX or pay. I have had to get a loan to pay some of my debts from my XXXX and these fees and interest are adding to the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.

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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Partners for Payment Relief
State: ID

Complaint narrative:
Partners for Payment Relief purchased our second mortgage while we were paying a " modified '' payment to our lender, XXXX then later sold to XXXX. I went to pay both my first and second one day over the phone and they told me " we cant accept your payment on the second loan any longer, it has been written off, but we can still accept your payment on your first loan ''. We assumed we finally got the modification we had been applying for of principle reduction. A year later, in XXXX we got a letter from Partners for Payment Relief stating we owed them {$18000.00} and demanding a lump sum. We called the number and the guy that answered was rude and would n't accept any " modified '' payment. He wanted to full amount. So we decided to short sale our home since we could n't come up with the amount he wanted from us. After having our house for sale for a year, and two buyers going through the process of offers and waiting we finally were going to close in XXXX of XXXX, the title company called our agent and told us Partners for Payment Relief had already foreclosed on our house the year prior, and waited 12 months to record it, so it did n't show up earlier. Since Partners for Payment Relief did not do the notifications and everything correctly, that act flawed our title and we were not able to reconvey title to anyone. Shortly after we received notice from our first mortgage, now through XXXX that if we continue to pay, everything will work out. So we continued to pay. We have had several attorneys tell us this is a huge fight in front of us to win, and we should just cut our losses. It just seems wrong that someone can remove you from your title, without you even knowing, All along we 've been paying the taxes, and all of that through our escrow, with no notice at all. On top of that, they applied a new lien to the property of {$75000.00} to cover their legal expense. It 's crazy. XXXX also has been collecting our mortgage payments and escrow payments all along, knowing we did not own the property any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I am repeatedly receiving a collection notice from Transworld Systems , Inc. regarding a debt owed to XXXX # XXXX in the amount of {$61.00}. When I call XXXX, I am told that I do not have any balance due. XXXX has noted this on my account. Transworld keeps sending me these collection notices, however. When I attempt to call Transworld, I get put into a call queue, which then dumps into a voicemail, and no one ever answers or returns the call.

Company response to consumer: Closed with explanation