vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-09 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: MI

Complaint narrative:
On XX/XX/19, I received an updated credit report from my investigation. Equifax has failed to provide specific investigation results such as who and when they verified this collection. This is unlawful. They are continuing to report unverified information on my credit report that they havent verified by law. The other two reporting agencies are now in compliance with the law and are no longer in violation of my consumer rights. I demand that Equifax immediately delete this unverified account. I have submitted 4 certified letters to them and they fail to remove this item and they continue to ignore the fact that they must provide specific details of their investigation. I am now in the process of pursuing litigation against them and can provide evidence of their unlawful credit reporting and investigation actions. I demand that they remove this item and provide me with an update credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: TX

Complaint narrative:
Yesterday morning, I attempted to freeze my credit on line at Equifax. It put me into a loop that they could not process it at this time and to try later. After several attempts to try later, I called the number given for customer service. They said their system was updating and to try again in 30 minutes to 1 hour. I tried again in 1 hour to the same results. I then waited overnight and tried this morning at XXXX CST with the same online loop, then the phone call to customer service, where they said they were updating and could not access any files, so try back in 30 minutes to 1 hour, or try the automated system. I called the automated system and when I pushed the selection for credit freeze, it froze the line to dead air. I waited 4 hours and tried again on line ( to the eternal loop ) and called customer service, who told me they were updating their system and to call again in 30 minutes to 1 hour. I called the automated system and, when I got to the dead air point, I waited it our for 45 seconds and then got to input my street number and SSN to order the freeze, after about another 45 seconds of dead air, the voice came on to say they couldn't process my request at this time. My guess is that if I wanted to purchase some product of this bureau everything would worked fine. All I want is to put the freeze on my credit as I did with the other two credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: OR

Complaint narrative:
I applied for loan forgiveness in XXXX of 2018. I never heard anything back. That is, until today when I emailed them and was told my teacher loan application was denied because I filled out section 3. I checked the correct box and nowhere on the form does it say " Do not fill this out unless previous loan forgiveness obtained. '' The email said nothing about a next step. Just " Please let us know if you have any questions ''. Are you joking me? Now I have to wait another 3-5 business days to hear back about what I need to do to fix a problem that shouldn't exist. After it is fixed I'm going to have to contact Edfinancial every week to make sure my application gets accepted. This is absurd. I'm paying interest on a loan that should have already been forgiven and the company the government chose for my student loans won't even contact me when my application is denied or approved. They certainly know how to milk every last bit of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are two accounts XXXX XXXX XXXX and a medical collections,  both have been charged off years ago, yet both keep affecting my credit every month and shows a renewal of collection opened every month. This should not be negatively affecting my credit as a new debt every single month. For example XXXX XXXX XXXX reflects XX/XX/2019 as renewal open date, this is not accurate. This needs to be fixed.

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 2019-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citi credit cards are associated with a thank you point reward account. In the mid XXXX in 2019. I suddenly found that more than XXXX points were missing. I had no idea what caused such a situation. So I called in thank you point customer service. While the representative was investigating the reason, I found out my reward account was disconnected by a couple of credit cards, which also contribute to my rewards points. I thought it might be IT glitch to lead the according points missing. I immediately report this condition to representative. But to my surprise, representative told me this is not IT glitch. He explained two credit cards were cancelled due to no inactivity. The associating points were expired after 50 days from cancellation of cards. I was shocked about this situation, since I did not notified by Citi about the cancellation. Even my Citi app still showed these two cards in my online account as normal. Thus, I explained I did not get any notification to show my cards were canceled and my points were expired. Representative told me he understood. He communicated with manger for my case. After a while, the representative told me his manger has taken care of it. He confirmed his manager guaranteed I can get back my points within 2-3 business days. I requested the representative to double check. He confirmed that I should receive my points firmly soon.

After a few business days, I still did not see my points were refunded. So I called in again. A manager XXXX in thank you points center received my call. However, he told me a different story and insisted that he can do noting about these points. He directly denied the guarantee and confirmation from previous manager and representative. I was so angry since XXXX just broke the guarantee made by Citi. That basically means the guarantee from a manager in such a large bank even did not count. It is ridiculous that a bank can say totally different solution to customer. A following manager XXXX also spoke with me and he repeated XXXX 's saying. He told me I will not get back my points.

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 2019-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX Dated : XX/XX/2018 2. XXXX XXXX XXXX   Dated : XX/XX/2018 3. XXXX XXXX XXXX Dated : qXX/XX/2018 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I did authorized XXXX XXXX XXXX XXXX to made an inquiry associated with an auto purchase, but only them. If the above inquiries relates with such, then federal and state law only one inquiry to be reported, as such is within 45 days of the initial inquiry being reported by Transunion.

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 2019-02-09 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: TIDEWATER FINANCE COMPANY, INC.
State: CA

Complaint narrative:
I opened a credit account at a furniture store in XX/XX/XXXX. I purchased a bed using the store credit account through Tide Water Financial. I ended up canceling the order with the furniture store and requested the account to be refunded since I never received or picked up the bed ; I am not in possession of the bed. The furniture store refuses to refund me because they claim " its a courtesy '' to issue refunds and that they don't have to. I called the credit card company numerous times with different reps stating that they will escalate this to a manager and that I would get a call back. I continued to call the company and yet nothing was done. One manager told me I'd have to fight with the furniture store and that this was a correct charge. As of XX/XX/XXXX this still had not been resolved so I called the credit company again and spoke to someone who actually escalated the call to dispute dept. As of XX/XX/XXXX it still had not been resolved so I called the credit card company and spoke to XXXX my account manager and she stated that the furniture store had in fact admitted that the bed had never been delivered and that the order was canceled. She stated that the refund would be done by the furniture store by someone named XXXX and that she would call Tidewater the following day but that has not happened yet. My credit has suffered because of a charge that shouldn't be there because I do not have the merchandise that the charge belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES
State: AR

Complaint narrative:
In 2015, I was in a really rough spot financially and got very behind on my student loan payments. I have since then, gotten in contact with my lender to establish a payment plan within my budget. But because of my rough patch in 2015, my credit score is struggling from all my missed payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
On XX/XX/2019 I made what I thought would be a simple request to PNC to get a copy of my HELOC statement. Since I had a XXXX balance, I hadn't received a statement in several months and I needed one for a new mortgage application. No one - at the customer service line or at the local branch - was able to give me a statement, even through the online portal. They did say that they would order one to be sent to me by mail in 5 business days. It never arrived. I was able to get the mortgage application started with my account number, but the bank is now, naturally, requesting a statement on that HELOC that includes our home address. It is now XX/XX/XXXX and the paper statement that was ordered never arrived. I called to find out how to get a copy of the promised statement urgently because we are closing on the new property on XX/XX/XXXX and the bank needs that document. I was told by the customer service line that that request was cancelled because there was a XXXX  balance. I was never informed that this request was cancelled. I am also unable to access information about my HELOC payment or obtain a current statement on that loan on the secure website. However, I can get this information easily from other banks with which I have mortgages. The issue has been escalated internally at PNC and they claim they are working to produce a current statement and have it emailed to me in time, but their inability to resolve this simple request and failure to communicate with me when they decided to cancel is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: NY

Complaint narrative:
Equifax Credit Report. I called the automated credit freeze number for Equifax to unfreeze my credit report for banking purposes on XX/XX/2019. The credit report has been frozen for over 18 months and have unfrozen it several times. The automated number freezes after the first selection and does not allow continuation. I called the phone number on the website and the agent told me " the system is unavailable, please call back in one hour ''. I did that with the same response. I tried to log in through the website credit freeze page, received an error and told to call Equifax. The response was the same as above. On XX/XX/2019, I tried the automated line again with the same issue. I contacted the phone number listed for credit freeze and was told " the system is unavailable, please call back in one hour. '' This was 12 hours after the call on XX/XX/XXXX. I tried calling customer service to fix the login on the " XXXX XXXX  XXXX '' system. For some reason, there is an error on my account and it needed to be " elevated '' to be fixed maybe in 5-7 days. I tried going through the credit freeze website once again, received an error and a phone number to which I called and received the same answer as above. This is holding up my banking process and making me unable to continue my business needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was contacted by text message XX/XX/19 at XXXX AM from XXXX stating FRM : XXXX- Call XXXX SUBJ : Crucial Information. MSG XXXX # XXXX. I called this number and later realized the initial greeting stating " People 's United Bank   XXXX XXXX  ''. A recording advised my account was suspended and needed to be reactivated. I was on the phone for about 2 minutes and the automated system asked for my bank card number and social security number. I became suspicious and immediately hung up. I then called XXXX ( the number on the back of my card ) and they were not aware of any security breech, the bank was also unable to locate the number I was texted XXXX. The representative called the number as well and indicated that this company is not affiliated with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IA

Complaint narrative:
A message from Harris Debt collection at phone number XXXX. No information of debt owed or address of Harris or answer of the call. I looked this blnumber and there are multiple complaints, and apparently no action to shut down this scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAROLINA FINANCE, LLC
State: VA

Complaint narrative:
I was provided a pay off amount on XXXX from XXXX XXXX by email. I made the payments and monitored the account via credit reporting because after this I was told The information could not be provided by email. It's always a hassle with this office. Based on information provided by XXXX credit reporting, I had balance of XXXX. I paid this amount off in 2 payments. I received a notice on my door stating I owed. I on XX/XX/XXXX. I emailed the office. On XX/XX/XXXX, that Monday, I received an email saying my account was not paid off. I spoke with XXXX XXXX on XXXX XXXX, who told me by account was not paid off. He then told me I owed another 1500+ plus dollars. I then asked for the payment history. He put me on hold and did not return to the phone. I called back and was put on hold again when I asked to speak with him. He never returned to the phone. I then asked for the payment history to be sent again. After not receiving, on XXXX I requested it again or to send me my titled. It was finally mailed out and it is now showing I owe XXXX not 1500.00+. I then informed them this could not be so and they had even reported to the credit bureaus I owed nothing and to send me my title because I did not owe anything else or it would have been included in the balance. This company also in XX/XX/XXXX repossessed my car with only one payment outstanding saying it was because I did not call the office and I had to have a cell phone number to keep in contact. At this time they told me that they had to put a tracker on the car and I had to pay for it as well or I would not get my car back. I complied n order not to be responsible for more storage. I needed the car and could not afford this absorbency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I have applied for a loan to get solar installed on my home. I have all my bureaus frozen after the Equifax issue. I have been trying to access Equifax to unfreeze my credit so the loan company can pull my credit. I have been unsuccessful logging in to their system or requesting a password reset and each time I call they tell me that their systems are updating and to call back in a half hour. This has been going on since the morning if Friday XXXX. 

Every time I call they say it should be cleared up in XXXX minutes to an hour. It has been over XXXX hours and I need to get the process moving to install my solar system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: IL

Complaint narrative:
Experian & XXXX continue to erroneously report multiple public record items that their public records vendor is not reporting ( see attached ). Additionally, Experian has covered the fact that XXXX is it's public records vendor in a malicious effort to harm the consumer ( ( EXPERIAN PUBLIC RECORD SETTLEMENT Case No. XXXX  ( XXXX Va. ) and Case XXXX XXXX ( XXXX Va. ) United States District Court for the XXXX District of Virginia ) ). I am requesting these credit bureaus be investigated in my case ...

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 2019-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hi my is name XXXX XXXX. I have some concerns with my servicer Select Portfolio Servicing. I have a scheduled foreclosure sale schedule soon on XX/XX/2019. Recently I have faxed and mailed in a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. SPS have received a complete Request for Mortgage Assistance packet and its under review. 

Im still just worried that they will play some game right before the sale and foreclosure on my home. They still have not cancelled or postponed the sale even though they have a complete loan modification packet and its still in underwriting review. This is a continuous game they play and always are putting me on the edge and fear that I will lose my home. Can they just cancel the sale and work with me. Give me a good loan modification with a principal reduction or something that I could afford monthly. 

However number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Select portfolio Servicing to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. 

California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Select portfolio Servicing and all other previous servicers and their Investors conduct was unlawful in that : They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the me because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications If they proceed with the sale they will be violating the California Homeowners Bill of Rights Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation