vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I SENT THE FIRST LATER ON XX/XX/2018 TO. ATTACHED WITH MY IDENTITY OF THEFT REPORT REFERENCE ID # XXXX  WHICH STATES CLEARLY THE ACCOUNT THAT WERE COMPROMISED AND HAD FRAUDULENT ACTIVITIES ON THEM.

THIS IS THE ACCOUNT THAT I NEED REMOVED ASAP : XXXX XXXX XXXX XXXX # 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 2018-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 2288984 Ontario Inc.
State: OH

Complaint narrative:
this company is reporting debt that is not mine on my credit report. i have written letters directly to the address on my report and never received a response. This derogatory information has impacted my scores dramatically and this debt is not mine. I have asked on countless occasions for documentation to show where this debt originated from and signed literature showing this belongs to me and none has ever been provided. I want this erroneous information removed from my credit report. i do not owe this debt. 

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
The problem I'm having is now that I'm at the end of the loan.

I'm trying to pay more on the vehicle to get it paid off. But for some strange Reason they keep increasing the interest, My payment is {$450.00} I send {$500.00} I ask to have the extra {$50.00} applied to the principle and for whatever Reason the interest always seems to offset my payment so no extra funds Are available to go to the principle. This has been going on for the last 24 months Of paying for the vehicle. For example if I send in the {$500.00} they take {$300.00} & Apply that to the principle & the interest is {$190.00} The interest seems to be all over The place to keep me from paying off the loan before the 72 months. I have a email From the finance company detailed with all payments. I have approximately {$3400.00} Left on the vehicle & they are stating I have 10 payments left. If you do the math that Would be {$4500.00} not {$3400.00} with extra money being sent. I can send the detailed Billing register of all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Miller, Stark, Klein and Associates
State: CA

Complaint narrative:
I have received repeated phone calls from local numbers saying they have had numerous complaints about me and have made repeated attempts to contact me. Refers me to call XXXX. A reverse search reveals it to be a collection company called Miller Stark Klein & Associates. Per XXXX and XXXX, this company seems to focus on collecting phantom debts. My complaint however specifically relates to the fact that they did not identify themselves as a debt collection agency as per the CFP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As an individual consumer I thought it was prudent to put credit freezes in place with each of the 3 credit bureaus immediately following the Equifax data breach. I was attempting to change XXXX XXXX providers for my home since my current agreement is about to expire. It occurred to me my new provider would need to do a credit check and they confirmed they only do that with Equifax. I first went to www.freeze.equifax.com to process a temporary lift on my freeze. I entered all information exactly as specified and received the following notice " We're sorry ... we can not process your online request concerning an Equifax security freeze. '' The Gas company I was working with game me the Equifax number of XXXX which turns out to be a call center in the XXXX. I spoke to a representative there who after taking all of my info ( SSN, address ... etc ) came back on the line and told me they have to interface with the " Specialty Department '' and that I would need to " call back tomorrow '' and that this entire department was not available today ( a Thursday and non-holiday ) at XXXX EDT. I spoke to a Supervisor who then told me the same. I then spoke to the Manager named " XXXX '' who confirmed the entire Specialty Department was the only department that could help me and they were unavailable today. He also confirmed with me several times that he had no Boss/Manager and that he was the head of the operation. Absolutely ridiculous. So as it stands at the moment, I CAN NOT switch XXXX XXXX providers because Equifax is proving once again to be completely incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I bought something of XXXX from this person that I thought was legit. We did an offline transaction called XXXX. The person notified me that the item will be shipped tomorrow and if I changed or did not like the item that person would give my money back. The following day that person texted me stating that the item was shipped, I texted back asking if I was able to get the tracking number, the person did text back and stated she was driving and will get back to me. Hours pass and I still havent gotten a respond back .. that person blocked off my phone number .. and was unable to get a hold of that person. I called my bank ( bank of America ) and explain my situation and filed a claim. Today, I called and check the status of my claim and stated it was denied and for me to contact the person I had a transaction with. How am I supposed to contact someone that block me off my phone. I would of thought doing a transaction with XXXX through Bank of America was secured and would get my money back of XXXX. If anyone is using XXXX dont ever do offline transaction cause your bank will never help you and will be denied. This is a lesson learn for me, there are so many scammers out there!

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 2018-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
I dispute roughly {$2000.00} in charges added to the payoff. These were for foreclosure procedures entirely the result of the loan servicer 's failure to provide regular statements during the entire term of the loan and it's inability of the company 's call centers to explain the charges. 

A compromise offer was made and repeated in a previous CFPB complaint. The companies response implied the matter could be discussed by calling a phone number included in the response. That number reached the same call center whose personnel are unauthorized and unqualified to negotiate. 

The company 's response avoided the issue of the settlement offers. Instead, it used the response as a ruse to close the complaint and move swiftly within days to foreclose without notice received. Surely this kind of extortion must be illegal. 

Throughout the dispute I have been misinformed as to who owns the lien and who I might reach for oversight to correct the malfeasance of the loan servicer and its foreclosure agent. 

This is a new complaint against actions the company took immediately after its misleading response to a previous complaint, as well as its failure to address the central issue or to defend the malfeasance that led to the charges in dispute.

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 2018-03-29 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 — Was not notified of investigation status or results
Company: JTM Capital Management, LLC
State: NE

Complaint narrative:
information was sent to XXXX stating paid nothing owed but was not sent to XXXX and XXXX XXXX. I have tried to contact them on the phone by calling XXXX no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
XXXX XXXX/Speedy Cash stated on XX/XX/XXXX that a signed agreement with XXXX XXXX was in effect to negotiate a payment on my account. 

On XX/XX/XXXX XXXX XXXX/Speedy Cash sent me an e-mail asking about information about my credit card numbers. 

Such action is in violation of the signed agreement XXXX XXXX/Speedy Cash have with XXXX XXXX and constitutes harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted the credit agencies to ask that they add my contact telephone number to my credit file. To date, the credit agencies have not done this. Please add the following number to my credit profile : My contact number to my credit file : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Critical Resolution Mediation LLC
State: IL

Complaint narrative:
I have set up a payment plan with the correct Debt Collector. This person is not with them and they keep calling and threatening me with legal action if I don't give a down payment. They have quoted me several different balances and call from different number. she was abusive and refused to give me any account information and answer any questions. She lied about what I said in the phone call and continued to hang up. I recorded the phone call.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I received an email from Wells Fargo XX/XX/XXXX that asked me to activate my new credit card. 
I called and asked why I was getting a new card, when my card would not expire until XX/XX/XXXX. 
I was told my account was upgraded to a " XXXX '' credit card. 
I never received the new card. 
The new card has the same # as my present card. 
The new card could not be cancelled without cancelling my old card. 
I had to cancel my card, order a new one, and now have to change > XXXX auto-payments. 
I never asked for a new card. I never asked for an " upgrade ''. 
I was told by a Wells Fargo rep that I was sent information last year that I could opt out of the upgrade by XX/XX/XXXX. 
IT IS NEVER ACCEPTABLE TO CHANGE THE TERMS OF AN ACCOUNT LIKE THAT. ALL CHANGES NEED TO BE OPT IN. 
I was told by a customer service rep that there have been numerous complaints regarding opt out vs opt in, yet Wells Fargo has not changed their procedures.

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 2018-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I am writing in regards to a collection account ( XXXX ) IN AMOUNT of {$280.00} that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately. It is also a HIPPA violation if they have unknowingly accessed any of my medical records to fraudulently have this account added to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I made a complaint on XX/XX/2018 with consumerfinance.gov to wells fargo and they said they would remove this off my report 30-60 days and its been over 90 and they have not followed through with what they said they would do. I never had a contract or gave these people consent to anything with my information. I need these hard inquiries removed ASAP from 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
Consumer complaint received 2018-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted the credit agencies to ask that they add my contact telephone number to my credit file. To date, the credit agencies have not done this. Please add the following number to my credit profile : My contact number to my credit file : 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 2018-03-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted the credit agencies to ask that they add my contact telephone number to my credit file. To date, the credit agencies have not done this. Please add the following number to my credit profile : My contact number to my credit file : 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 non-monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I am writing in regards to a collection account in the amount of {$270.00} that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately. It is also a HIPPA violation if they have unknowingly accessed any of my medical records to fraudulently have this account added to 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
Consumer complaint received 2018-03-29 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:
This complaint involves the company Diversified Consultants Inc. I am constantly being harassed and receiving phone calls almost every day in regards to collecting a debt that I do not owe. Diversified Consultants Inc. states that I owe a debt in regards to a cable debt. 

Diversified Consultants Inc. called me several times a day with different phone numbers, never leaving a voice mail, and I do not owe them any money, nor am I attached to any account that they deem is delinquent. 

I have received phone calls from Diversified Consultants Inc. from XXXX on : XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

I have also received phone calls from Diversified Consultants Inc. from XXXX on : XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

I have also received phone calls from Diversified Consultants Inc. from XXXX on  : XX/XX/XXXX  at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX 

I am going to litigate if I continue to receive unsolicited phone calls from the Diversified Consultants Inc. and any variations of phone numbers that they are calling from. This is beyond absurd, and is extremely out of hand. 13 unsolicited phone calls in one month is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello - I had a XXXX XXXX XXXX XXXX Credit Card, That was on a auto pay plan. The account was transferred to with out my knowledge to American Express however the auto pay was not. I became aware of this today and I brought the account current. They are charging me late fees and a higher interest rate because of the late payment, I think this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: IA

Complaint narrative:
I contacted Equifax concerning a state tax lien that was paid in full and released. It shows correctly on my XXXX report. Equifax has only removed the name of the creditor off my report. It still shows I owe a balance of {$4500.00}. I first filed a dispute with them in XX/XX/2017 and have been filing one about this every 30 days. They will not fix it even though I have attached proof from the state department of revenue that it was paid and released.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
This collection company has been told numerous of time to stop calling my job and to stop calling me. My work number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: AK

Complaint narrative:
The Alaska Commission on Postsecondary Education ( ACPE ) failed to properly notify me of the transfer of my loan from default to the collection agency based in Indiana XXXX XXXX XXXX XXXX XXXX ( XXXX ), and they also violated the state statute AS XXXX period of 30 days between their alleged notification to me and transferring the debt to the collection agency. Thereafter, in the effort to resolve and settle my student education loan debt with the collection agency XXXX, there have been many conflicting statements and advice from both the ACPE and XXXX. ACPE tells me I must settle the loan with XXXX and likewise XXXX tells me I must settle the loan with ACPE. Neither take responsibility for agreeing upon a settlement with me and have been unreasonable in their treatment of my debt case. I would like to note that my father sent a check of 50 % of the original balance of {$34000.00} to XXXX to settle the loan debt completely on XX/XX/XXXX, however it was rejected by XXXX as they stated they did not have a settlement agreement on file from ACPE. Therefore I sent the settlement offer in writing on XX/XX/XXXX to ACPE. Currently XXXX is reviewing my offer, and financial form documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
This complaint is against Caine and Weiner who states they are a law firm approximately one week ago I sent correspondence to this company about accessing my credit file without my permission and requested that it be removed. I received an email from XXXX XXXX attorney at law who stated that even though this debt was discharged in bankruptcy and the inquiries were performed after the discharge they had every right to access my credit report because the debt was ongoing which it was not XXXX XXXX were aware that the account was included in bankruptcy and there had been no premiums paid on this policy since XX/XX/2017. I also sent him a copy of the creditors included including XXXX i paid no premiums nor did I use the car or insurance at any time during my bankruptcy I used my fiancs truck because I was under the impression the lien holder would get the vehicle st any time I did not give this agency permission to access my credit file and all of their inquiries were AFTER the discharge of the debt numerous times the accessed my file.

Company response to consumer: Closed with explanation