vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-24 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: CA

Complaint narrative:
Equifax and   XXXX   show my score over  XXXX  points below  XXXX . Every time I try to dispute items that are severely inaccurate, first they say yes we found your file how can we help you? Then they ask for further verification by asking me to choose  one of five o ptions that identify me, but ev ery one thr u propose is inaccurate so then they shut down any conversation or correspondence with me. They show me as having retail charge cards, I have none. They show me having lived in  XXXX  Georgia NEVER! they show my spouse as my deceased father! They show me having an auto loan with a lender that I do n't have an auto loan with. They show me as having tax liens, medical bills that are n't mine and public records that I am unaware of. I hav e 100 pe rcent perfect payment history. My c card utilization is a t 19 p ercent. I have never been late I have never had a bankruptcy they show  XXXX  hard inquiries that are not mine!! I make  XXXX  a mo as a   XXXX   XXXX   specialized and certified in  XXXX , same job for almost  3 ye Rs. Same residence 3 years and 7 years prior state. No criminal record and yet I 'm being denied an auto refinance every month because of their derogatory credit ratings of me. I 'm begging you please help me get them to correct my file and delete the things that are incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24 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: CA

Complaint narrative:
XXXX and experian show my score over XXXX points below XXXX. Every time I try to dispute items that are severely inaccurate, first they say yes we found your file how can we help you? Then they ask for further verification by asking me to choose one of five options that identify me, but every one thru propose is inaccurate so then they shut down any conversation or correspondence with me. They show me as having retail charge cards, I have none. They show me having lived in XXXX Georgia NEVER! they show my spouse as my deceased father! They show me having an auto loan with a lender that I do n't have an auto loan with. They show me as having tax liens, medical bills that are n't mine and public records that I am unaware of. I have 100 percent perfect payment history. My c card utilization is at 19 percent. I have never been late I have never had a bankruptcy they show XXXX hard inquiries that are not mine!! I make XXXX a mo as a XXXX XXXX specialized and certified in XXXX, same job for almost 3 yeRs. Same residence 3 years and 7 years prior state. No criminal record and yet I 'm being denied an auto refinance every month because of their derogatory credit ratings of me. I 'm begging you please help me get them to correct my file and delete the things that are incorrect.

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 2017-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Recent changes to the on-line process, in my opinion, creates a security hazard. When a customer chooses to sign-off the account, a pop-up window appears asking " are you sure you want t o Sign-Off ''. Typically, people hit Sign-Off '' and either leave the computer or switch apps such as going to email. The Sign Off button is not in a spot where a customer could accidently hit it so this ask is ridiculous. For the RARE occasion where someone accidentally hits the sign off button and needs to log on again, my feeling is that it is a small price to pay for securing the website. In my case, I was at a remote office checking my account and was called away so hit the sign off button and left my desk, after returning a few minutes later, my account details were open and I realized later that I did not " confirm '' that I wanted to close the account and someone passing by my desk apparently said " no '' and my account was re-opened for them to view at their leisure. I am fortunate that nothing was manipulated in my absence but immediately reached out to Wells Fargo to adv ise of the issue and, as expected, got no reply to my concern.

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 2017-05-24 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: NC

Complaint narrative:
I have sent many letters in regards to errors on my credit reports .... They have not responded to my request ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello I have been paying the credit card off from {$1500.00} to {$1000.00}. I received a statement that I owed another {$1500.00}. The are stating that I have interest on the card. Please see statement showing for 2015 YEAR TO DATE - total interest charged  XXXX  different amounts, {$27.00}, {$400.00}, {$19.00}.     When I cotacted the credit card company Care Credit owned  by Sychrony B ank, they told me to get another credit card and transfer the money I owe of {$1000.00}. That they would give me another 30 days to do that. In the meantime, they had already added {$500.00} dollars to the account. When I tried to get another credit card with  XXXX  they told me I owed too much money on Care Credit card that I was up to my lim it! Sychrony Bank lie d and they add whatever they want to the account. I 'm afraid they will keep doing this!

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 2017-05-24 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: NY

Complaint narrative:
Hello CFPB,  XXXX   XXXX   2017 I called Navient 's cu stomer service to ask for an amortization schedule because I noticed how all my extra payments were not being allocated to the principal. They immediately denied me saying " we do n't give amortization schedules on private loans because the interest accrues daily and it varies. '' I then asked them why my l ast three mo nths worth of extra payments were not going to the principle like they previously told me they would ( i.e. paying extra money only on the due date goes to the principal ). She never gave me a reason. She just kept saying every month is different because of the daily interest. I then posed this month  's (   XXXX   ) s cenario : My monthly amount on my loans this month was around {$800.00} and I paid {$2000.00} and it was due and paid on  XXXX   XXXX . Only {$700.00} went to the principal and {$1200.00} went to the interest. Why is the bulk of my payment going to my interest if I paid well over the {$800.00} that month? Again, she/Navient said because of the payment advance made in  XXXX  it lowered the principal payment for  XXXX . However, they do n't bill " future interest  '' ( a t erm I had never even heard before, who bills future interest? ) so they/Navient said there we re ( hidden  ) interest fees that were due for  XXXX  and that is why it went to interest. I then asked ... what is your ideal option for paying down the principal since paying on the due date obviously does not work. To that she replied, set up a automatic payment plan so it is taken out every month on the due date. With all my power, I tried to calmly reply " that is what I have been doing and you still do n't apply it to the principal! ".     On top of all this deception, they do n't even post the amount due as a record to be compared against your payment history. They only show the amount you paid and the allocations to principal and interest. This company is scum and it has to stop! I have never defaulted on any loans and I do my best to pay extra ever single month on the exact day it is due and they continue to con me! We are damned if we do and damned if we do n't. I have a perf ect credit score that i s the only reason I have n't slacked off in spite of their foolery.     PLEASE PLEASE HELP!!!      XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advantage Recovery Group, Inc
State: LA

Complaint narrative:
Last Year on   X/XX/2016  I  hired   XXXX   also known as  XXXX  to do marketing for me. In  XXXX , Florida  XXXX  They said I had to have a different website they could not do marketing on my website. They were going to refund my money. Then they informed me that they could build my website. On   X/XX/2016  I  paid them {$1000.00} with  XXXX  and   XXXX   XXXX  . They did not refund my {$230.00} they said they would build SEO into my website.
O n  X/XX/2016  the y finished the website. I paid the balance {$1000.00}. At first I looked at the website and I thought it looked good. Then I started working with the website and it was broken, they also told me I could change my website to any of the options of the Wordpress template. I could not. I could only have revolving photos that looked like video, and the thumbnail photos on the gallery pages if you click on them they would enlarge, however they would not go back to small you would have to click out of the website. I tried to change not and then they said I could not change it. When they made the website they talked to me all of the time and then after it was finished there was no customer service. They would not answer me. One person sold me the site another person  XXXX  made the site with me and then there was another person I was supposed to communicate with who never answered me. After trying for 2 months with incompetent customer service and a broken website. I said I am out of this website. The man I was talking to said he was sorry for all of the issues. I went bak to my old website. I then disputed all of the charges with   XXXX   XXXX   and  XXXX  ( they had  XXXX  ) So   XXXX    and   XXXX   XXXX   had to agree to refund my money. They refunded all of my money.
Last week I received letters from a collection agency : Advantage Recovery Grou p,   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , FL.  XXXX  (  XXXX  )  XXXX . (   XXXX   )  XXXX    They said that it does not matter that my money was refunded from   XXXX   XXXX  , that means nothing and they will not call   XXXX   XXXX  . They said that is the same as calling the police. ( If something happens I call the police not in this instance ) .  XXXX   XXXX   the man at Advantage Recovery Group said my dispute is the same as not paying. They will tell the credit bureaus and it will be on my credit report if I do not pay for the scam website. {$2000.00}. For that amount of money I should have great customer service and a website that worked. They are sending me the contract that I signed, plus other communication with   XXXX   the website and the customer service should be good and it was horrible.

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 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
I HAVE APPLIED FOR A MODIFICATION TO SAVE MY HOME, I SENT IN A MODIFICATION PACKAGE AND WAS INFORMED BY MY ASSIGNED REPRESENTATIVE WHO IS AS  RUDE AS CAN B E  XXXX   XXXX  THAT DUE TO COMPANY GUIDELINES THEY DO NOT NEED TO INITIATE A MODIFICATION REVIEW BECAUSE I HAVE A SALE DATE WITHIN 37 DAYS. I ASKED IF THE FORMS I SENT IN WERE THE CORRECT FORMS AND SHE STATED NO WE HAVE COMPANY FORMS THAT WILL NEED TO BE COMPLETE, SO I ASKED HER IF SHE CAN SEND THEM AND SHE SAID NO I WILL NOT SEND THEM BECAUSE I DONT HAVE TO.     HOW IS THE SERVICER OF MY LOAN REFUSING TO SERVICE MY LOAN? THIS HAS TO BE ILLEGAL ON ALL ACCOUNTS.  XXXX  STATED THAT SINCE SHE HAS BEEN DOING THIS FOR YEARS SHE KNOWS WHAT SHE IS DOING AND DOES N'T HAVE TO SERVICE MY ACCOUNT BECAUSE I HAVE A SALE DATE. I THOUGHT THE SERVICER HAS TO CONTINUE SERVICING THE LOAN UNTIL THE HOUSE IS SOLD?

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 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
I have no contract with this company They have managed to keep this on my credit and this debt is not owned.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  I have no knowledge of this collector and debt that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My primary residence was going through possible repossession, then short sale with   XXXX   (   XXXX   XXXX   XXXX   XXXX   ) fr om  XX/XX/XXXX - XX/XX/XXXX . Was able to do modification later on. However, the new mortgage is for 40 years.  Suntrust Bank h ad a second mortgage and   XXXX  me stating Debt Forgiven.  Date of identifiable event by  Suntrust  is   XX/XX/XXXX    . This was a taxable event and had to be filed with the IRS.     A recent title search revea led Suntrust is still showing as a lienholder on the property and title. I am looking for Suntrust to remov e themselves as lienholder on the property.

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 2017-05-24 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: NC

Complaint narrative:
I have sent many letters in regards to errors on my credit reports .... They have not responded to my request ....

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 2017-05-24 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: NC

Complaint narrative:
I have sent many letters in regards to errors on my credit reports .... They have not responded to my request ....

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 2017-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Walwick, Inc
State: WA

Complaint narrative:
I have outstanding bill with  XXXX   XXXX  in  XXXX . The bill started at  XXXX  I have been making payments to the account. The hospital has received several notices from my insurance company asking them to fix documentation and send new documents. The hospital used the incorrect coding. I have tried myself and keep getting the run around. My insurance company is  XXXX . Hospital sent me to collection without any notice for a bill that I have been making small payments on. I have called medical records and you can only leave a message. I have gone down to the office and they always seem to be away and you can not speak to anyone. This is no the first time I have had a billing issue with this hospital.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Last yea r, Citibank took over Costco ' s  XXXX   XXXX  card. During this time I was away on a trip. Upon my return I could no longer log into  XXXX   Bill Pay an d was told the card was no longer valid. I cut my card up. It to ok Citibank a couple  months to contact me that they had taken over the account. I asked for a statement showing my last balances and payments with COSTCO card since I could no longer access that and always paid bills on line. There was no response. A couple months later I started receiving calls from Citibank to collect the balance due. Well in this day and age of scams you would be stupid to hand your payment over to someone on the phone so I asked for the statement which I was told would be mailed. I clarified my address etc. No statement came. This scenario repeated itself-calls from them, sometimes several in a week, and my request to see a statement. I never got a statement despite the promises. For all I knew it was a scam . 2 we eks ago I got a letter from  XXXX  financial -Citibank had turned over my account for collection. I told the lady what had happened and how I have never received a statement. She was able to get and mail m e one.  I paid what was owed but do n't feel I should be paying late fees etc when Citibank could not or would not produce a statement. The Financial company could not negotiate that, so as a consumer I am just screwed  by Citibanks inco mpetence in the takeover of the Costco  XXXX  cards. I intend to shift any other credit I have with Citibank to another provider. They do not deserve the business.

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 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To who m it may c oncern, I called  XXXX   XXXX  and spoke to a woman by the name of  XXXX  in reference to a late payment of more than 30 days past due at not fault of my own.  XXXX  was quite rude and condescending while I was trying to explain the situation and remedy the problem. The situation arose because I purchased a new boat and traded in my  old one a nd there was an error that resulted in the payment from the boating company to the loan provider being late, more than 30 days which negatively impacted my credit. When I noticed the huge impact ( a decrease of  XXXX  points ) on my credit, that I have worked so hard to get to a good point, I called  XXXX    XXXX   and spoke to  XXXX  who again, was rude, condescending and provided no resolution or support and basically told me, " It 's not their problem. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: VA

Complaint narrative:
I switched from  XXXX  to  XXXX  in  XXXX  of  XXXX . While waiting on payoffs from  XXXX ,  XXXX  sent my final invoice to a collection agency. I called  XXXX  to verify and they stated it was real, so I called the  Collection Company and  based on the phone call and letter they offered me a settlement with  XXXX . This was in  XXXX , they stated I had time before they would report, but if I paid off I was clear and satisfied. When I received my money from  XXXX  I called back to the  Collection Agency i n  XXXX  and took the settlement amount on  XX/XX/XXXX . They stated they would send me a settled in full letter. I thought nothing of this until in  XXXX  they sent my information to credit bureau saying I still owed the other amount from settlement. I immediately called and wanted to know what was going on. They claimed oh it will clear in 90 days, well I was in the process of buying a home, needless to say it cost me a higher interest rate, plus I did not get the type of loan that would have saved me half the money I spent in closing cost. I was livid. I ended up contacting  XXXX , who once again stated yes they had authorized the collection firm, but I still owed the balance, I could let it sit on my credit or pay it off. On  XX/XX/XXXX , I paid the other amount and they promised the next day they would report to credit bureau that it had been paid in full. Needless to say again, I was lied to and by the way, the collection agency stopped answering the phone whenever I called. Finally on  XXXX   XXXX , I spoke again to a  XXXX  representative and she said it would be fixed in 5 days. I kept asking for a satisfied letter, which I have never received. After this process I feel like I was scammed and if I 'm correct, when a collection agency takes over a claim, the company is paid. I paid both the collection agency and went back to  XXXX  and paid the balance. I would have gladly paid the full amount in the beginning, but was offered a false settlement that cost me a lot of time and money. NEVER AGAIN!

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