vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 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: AZ

Complaint narrative:
A collection company that never notified me of an alleged debt reported the debt ( {$110.00} ) to the credit reporting agencies. After disputing the report, all of the reporting agencies removed the item from my credit report except for Equifax. Equifax 's investigation process is severely defective : their website is inaccessible ;  they do not answer phone calls ; their investigation took longer than 60 days and then closed with no contact with me. At no point in the several months that I have been trying to get this resolved has anyone even attempted to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I am disputing a debt i previously owed with XXXX XXXX. I had set up a payment plan to pay off an outstanding amount with XXXX and kept my promise of making payments but they sent my account to collections even though i was making payments. When my account was transfered to the debt collection agency i explained to them the situation and agreed that if i paid in full over the phone they would remove the information on my report. Since the agreement was favorable to me and since i had already been making payments i immediately paid the debt collection agency only to discover they did not keep their word and remove it. I have tried disputing the item on my credit report with no luck. I recently discovered that i could file a complaint so that is why i am doing so 4 years later. The account was not in collections any longer then a month, i was making payments prior to it being sent to collections to avoid it even being sent to collections and once it was there i paid it as soon as possible because they told me it would be removed. I would like to have this account removed because it was promised to me and it has been 4 years since it has been paid. I understand that credit reporting lasts for 7 years but in this case, it should not have stayed on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I was told by a XXXX XXXX representative, I was enrolled in a payment protection plan, I dis not requested in which I had been charged {$12.00} every month since I had my account. 
She ga bff e me a number to contact the program under the XXXX Bank at XXXX, I requested not to be enrolled in such plan, to receive my money back. The representative told me she did and that I will receive a letter and decision of reinsbursement in 30 days after my complaint, which was on XX/XX/2018 I had never receive such letter, I called back on XXXX XXXX, and the representative told me, because I did not received any response, the complaint will be submit again as a new one and now I have to be additional 30 days.

I asked her if they will keep doing this to discourage me, and her answer was, : '' You need to wait ''.

The number of complaint if there's really one, is 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 2018-08-14 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: PA

Complaint narrative:
My adult son has a history on not managing his bills or money. He wanted to rent an apartment and they required a co-signer. They gave him the lease to take home and bring to me. I declined to co-sign due to his history. He brought it back to them with my name and signature on the co-sign line along with social security and driver license info ( which was available since I leave my wallet on the kitchen counter at my house ). When he got the apartment he told me he had a friend co-sign for him. 
After a few months he left the apartment and defaulted on the lease. 
Shortly after that I bought a new vehicle and when doing the financing, found that I did qualify for the best rate because this debt was on my credit record as reported by one of the large three credit rating agencies and was in collection. My credit report has been flawless over the past 30 years and has averaged a score of 850 each month. 
I contacted the reporting agency with the problem. They did their investigation with the collection agency and landlord. They were told that my name was on the lease and they accepted that and denied my dispute. I spoke with the collection agency, told them the story and they said I had to contact the police ( which I will not do ) and refused to remove the collection debt, I asked for a copy of the lease. They sent it and the signature is not even close to my real one. It was signed " XXXX XXXX XXXX " or " XXXX XXXX '', I sign all my letters, checks, etc.as XXXX  XXXX. 
I realize that my son is responsible for this debt but I certainly am not. This error has already cost me money on my car loan since I now must pay nearly 1 % higher on my monthly installment. 
I contend that this is the result of sloppy rental procedure on the part of the real estate company since they obviously do not require that a lease be signed in office, in the presence of their representative. Under their system, anyone can obtain personal information on another person, fill it in on the lease, take it back to the office and then bind them to the responsibility. This is what happened in this case. 
I would like to get this resolved without having to spend additional funds on legal assistance. I appreciate your help.

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 2018-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: AK

Complaint narrative:
I received a robocall from XXXX at XXXX XXXX on XX/XX/XXXX. The recording stated that there was a summons for me etc. The debt was charged of on taxes, and I paid the tax bill, several years ago. The company is simply wanting to " double dip ''. The debt is from XXXX, I paid the federal income tax in XXXX so it was charged off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PNH Worldwide Inc.
State: TX

Complaint narrative:
Bought a car at XXXX XXXX XXXX XXXX  used car dealership and gave them {$4000.00} down payment and signed the contract and everything and a few weeks later they tell me that the bank denied the loan and that they needed the car which they have possession of now and won't refund me my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We have applied for a loan modification because our income has changed. I submitted all of the documents and then call and they would inform me they need another document. Id send the document requested call back and they would tell me they need another document they didnt inform me of during the last document request. They carry on in this manner until the documents submitted are outdated. I finally received an answer after submitting documents twice and they told me I wasnt eligible for a loan modification because I had the lowest interest rate possible at the time and I wasnt 3 months behind. Since then Ive started the process again and its the same cycle. They say Ocwen is where they help customers but they are not helping me.

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 2018-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
We had tried to get a modification on our commercial office building. Ocwen dragged the process on for several months. They turned us down with no explanation given. We were charged a Property Evaluation fee on our Statement dated XX/XX/2018 which we paid. We were also charged a " Professional Fee '' of {$51.00} which we've never been charged before. We paid it not realizing it was there. There is also no amount going to principal on the loan. 
This last statement dated XX/XX/2018 has a Past Due Fee and another Expense Payment Fee/Other Charges of {$100.00} of which we have no idea of what it is since we've never been late. I called Ocwen twice. First, about the two amounts. Second, I called back about there being no principal credited to us. 
Also the amount of of our principal is going down each month. Is that correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: CO

Complaint narrative:
I attended XXXX XXXX XXXX College, XXXX XXXX XXXX, in XX/XX/XXXX through XXXX or XX/XX/XXXX in XXXX XXXX, CO. 

I filled out my needed financial aid paperwork and documents to try and get a loan either from Federal or State. Since at the time I was under the age of 25 I needed my parents financial information in order to complete my FASFA. 

To the best of knowledge my parents have not talked too each other since XXXX. Neither one of them wanted me having their financial information in case somehow the other got a hold of thiers.

This created a problem in moving forward with the FASFA. The financial aid director, sorry I don't remember her name just that she was a female, took me I could start and continue with my classes while the FASFA was being processed. 

She explained to me that if it did get denied that the only way I would be held liable for any costs with the books or classes is if I re-enrolled for my next semester. It didn't get approved and I never enrolled for classes past that semester. I made sure that at the student services center, or enrollment offices, that they knew that 100 %.

I did receive a few, two and possibly a third, letter from the State of Colorado within in the next two years when I received the bill in the mail. And each and every time I responded to the State and the School. Never, ever did I hear about a response from either of the two. 

After the last response I sent I never heard another word from either of them again. This was XXXX at the latest. I never went to court nor was I even summoned to court about the issue. 

Then in XX/XX/XXXX, 9 and 1/2 years after the fact, without letter or notice the debt was placed into collections and reported on my credit report. Seven years from last hearing from them I have a debt collection on my credit score.

My best friend 's father is a loan officer and works closely monitoring people 's credit and issues associated with thier credit. After explaining to him the sutitution he informed me that what they, XXXX, did was illegal mainly due to the length of time involved. 

Unfortunately since such a great and lengthy time has passed I do not have any of the original bills or responses because I thought the issue was dismissed or handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was given a 30 day late mark on my credit report due to Nordstrom Card Services reporting inaccurate information. They did confirm that the error was due to them not having protective measures in place when a consumer sets up auto pay ; the consumer enters their banking account number one time only. There is no measure in place to confirm accuracy like there is on all other payment sites. After 4 years of 100 % on-time payment history, I was asked to re-enter my banking info. Un-beknown to me, I was missing a " XXXX '' ( so they say ). They were not able to withdraw the funds, removed my auto-pay and dinged my credit without notifying me.This resulted in a 70 point drop to my credit score. Had they had a simple verification step in place to protect their consumers this would not have happened. When I asked for confirmation that it was in fact my error, they were not able to provide it. Did I in fact in enter the wrong account number? WHO KNOWS? Could this have been prevented? YES! They refused to do a Goodwill Adjustment. A 70 point drop and it will remain on my credit report for 3 years. The financial ramifications of this due to the impact to my credit score will be huge as my fianc and I are buying a house in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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 — Problem with personal statement of dispute
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
This letter constitutes a formal complaint against Banco Popular de Puerto Rico ( BPPR ) for the unethical procedure in the intent to report inaccurate information on my credit report on all bureaus. Due to the lack of compliance from their part with the Moratorium as offered by the bank after Hurricane Mara in which the three months XXXX, through XXXX would be added at the end of the mortgage and the regular payments would continue on in XX/XX/2018. Moreover, your employee told us that our call was not even necessary because we qualify automatically to benefit from the three months break BPPR was giving. Banco popular has not honored their offer and has ruined my good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My complaint is about this debt collector that is unknown to me and have a debt from a medical place that i live 1000 miles from and never went to! Just randomly showed up on my experian report under collections. I have written a Hippa violation letter to these people. ( XXXX XXXX-ACCT : XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Trying to collect {$780.00} for a debt that isn't mine.

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 2018-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I have been trying to withdraw money from an online savings account. I set up a transfer on the Banks website. I subsequently received an email stating that I need to to contact the bank for security reasons. A phone number was provided.

I have called the number numerous times prior. Each time I am on a phone hold for an hour or more. This occurred both during the business day and in the evening. I called the general customer service number of the bank and a merely transferred me to the same phone queue for security.

So, I have been completely unable to have access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: AES/PHEAA
State: PA

Complaint narrative:
I filed a complaint on XX/XX/2018 ( complaint number XXXX ). The number of qualifying payments were counted and the case was closed. Per review of my complaint, there should be 83 qualifying payments on loans 3 and 4 and 36 qualifying payments on loans 1 and 2.
I just received a " follow up '' call from XXXX  at XXXX XXXX employee ID number XXXX  Today stating my case has been reviewed and they determined that the " system reflects the correct number of payments and no changes are being made ''. I asked her to clarify because XXXX  id XXXX from XXXX XXXX and this complaint already said the number of qualifying payments should be 83 qualifying payments on loans 3 and 4 and 36 qualifying payments on loans 1 and 2.

XXXX  states that on XX/XX/2018, the case was reopened and that the number of qualifying payments on loan 1 and 2 were 36, loan sequence 3 has 49 qualifying payments and Loan sequence 4 has 82 qualifying payments.

I am refilling this complaint since XXXX XXXX   reopened the case and they disagree with the information the prior complaint response states. They are unable to tell me when they will be able to recount payments or give me an update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Perfection Collection
State: GA

Complaint narrative:
I received a call on my cell phone around XXXX XXXX XXXX from someone asking for my husband XXXX XXXX. Her name is XXXX XXXX and she is a representative on the behalf of XXXX XXXX XXXX. She was very rude and would not tell me what the call was about and stated that it was something regarding my husband, I asked what it was about and she refused to tell me, she was very rude and unprofessional so she ended the call because she tried to claim I was being rude to her, not true, all I was asking for was information. So she proceeded to leave a very nasty and rude voicemail on my phone stating that she would be at our house within the hour to serve my husband with papers and that someone better be here to verify that he is signing the papers and that if he wasn't home she would then go to his place of work and ask to speak to someone in the hr office about his whereabouts and that if she could not get a hold of him then basically it was a refusal to sign the paperwork and then it would be referred back to the office which is XXXX XXXX XXXX. What she did is illegal she can not act as a legal representative on this company without proof that she is legally allowed to do so and she would not provide me any further information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On : Monday XX/XX/2018, I called Equifax to see if they can remove a Phone Number that I don't recognize on my Credit File with them dated on : XX/XX/2018, and update it with my Current Phone Number where my Current Address is with them on my Credit File dated on : XX/XX/2018 by : Equifax. Equifax couldn't don't do it! Because I needed to contact XXXX  on it!, but : Navient has my Current Phone Number on their Records already!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: VI

Complaint narrative:
I have attempted to contact XXXX XXXX XXXX and have not received a response.

My research has shown that there is NO CONTRACT with XXXX XXXX   XXXX. Any contract they may have thought they had was cancelled and written-off. Their comments on the credit report proves that it is a write off. As a result, they NO longer have ANY rights to the debt, including reporting it on my CREDIT REPORT.

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