vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
In XX/XX/XXXX in the aftermath of Hurricane Irma, XXXX XXXX offered six month payment forbearance to residents in Florida impacted by the catastrophe. We accepted, received the agreement to begin payments in XX/XX/XXXX. We continued to receive late notices and additional late fee statements, called in and spoke with the individual with whom we had originally discussed the agreements and were told to ignore these as they would be updated after the end of the agreement term. We also exchanged several emails in this regard. In early XX/XX/XXXX I phoned her again to see how we should begin making the payments as we were told not to send them in the advice envelopes, and was told they were not ready yet to receive these payments, that we should not send until XX/XX/XXXX. They had not been prepared for the volume. So in Mid XX/XX/XXXX, we mailed the XX/XX/XXXX payment to the address we were given via email from XXXX XXXX at XXXX Mitigation. We continued to receive late notices with an amount past due in excess of {$19000.00}. The check for XX/XX/XXXX and XX/XX/XXXX cleared our bank account, and around XX/XX/XXXX, we started receiving calls as to why we had not made the payments. Ultimately, the caller had to admit they did have the payments an apologized for the two calls ( latest was Thursday, XX/XX/XXXX ). In addition, an appraiser showed up at our home unannounced to 'check things out ', which was a total shock. Now, XXXX has reported 120 day past due to all the credit reporting agencies for both me and my wife. Our credit rating has been stellar and this is not only embarrassing, but it has caused us to have to hire legal help to get it resolved with XX/XX/XXXX. They have handled this so poorly from the very beginning, and now they are harassing us mercilessly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
Mariner Finance has reported to credit bureau that I owe a debt in the amount of {$2200.00} on an old account. However, I have never signed a contract, applied for or had any type of loans with the company Mariner. 
Previously I attempted to resolve this inaccurate and misrepresentation of my financial obligation with no success. XXXX XXXX XXXX has not been able to provide legal documentation holding me accountable for the debt reporting to my credit file. This false representation has put a burden on my credit worthiness and I am demanding that it be removed as it violates my consumer rights.

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 2018-06-19 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: FL

Complaint narrative:
On XX/XX/XXXX I place a Fraud Freeze on my Equifax Credit Report due to Unauthorize inquiry and 2 account that appear on my credit due to identity theft. Every since I place this Freeze on my account on XX/XX/XXXX The information that was Blocked couple years ago was suppose to be block or deleted per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act has decided to reappeared on my credit with Equifax ONLY as they seem to not obey the consumer laws of the fair credit reporting act. There are also other account that I have been disputing due to identity theft for months now seem to still remain on my credit for something I did not do. I also spoke to the Equifax Mix department and Fraud Department regarding theses accounts and can not seem to block it and now because of the Freeze everything that was block came back on my credit file. Equifax seem to be unorganized and really playing with my credit report. Hopefully they are not doing this to others, But if the are I assume the CFPB will investigate this unethical law breaking company called Equifax. All my other Credit Reports, XXXX and XXXX are show my accurate information. 
Thank you I recently filed another dispute again as of XX/XX/XXXX confirmation number with Equifax is : XXXX Fraudulent Information are as follow : 1.XXXX XXXX XXXXe 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX acct : XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX there are 6 account with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I called Santander in XX/XX/XXXX to complete voluntary repossession. It was processed and I was told they would have tow driver pick up vehicle from repair shop. I got a call month later vehicle still at repair. At this there were no storage fees being charge. Santander stayed they would have check forXXXX sent to get vehicle. They never did. Repair shop called to state they would began charging storage fees. To date they have not picked up vehicle and they continuing to report late payments on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After receiving Transunion response to my investigation request, claiming that my inquires are " a matter of factual record, '' I called the companies that made the inquires and they told me there was nothing they could do and I would need to open an investigation with you directly. 

Upon getting this very frustrating answer, I did some investigating of my own. What I discovered is that the only permissible purposes for pulling someones credit are : A firm offer of credit Insurance Employment Court Order Since none of the reasons listed above apply to my situation, I am demanding a re-investigation by Transunion ( as is my right according to the FCRA ) and that the inquires listed below be removed from my credit report.

* I have sent 5 letters to Transunion which were received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX pertaining to these Hard Inquiries removal.

XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/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 2018-06-19 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
For the last three years, everytime I try to get a " free '' annual credit report from Experion online, it  tells me there is a " problem at this time '' even though I give them all the correct information. I have no problem getting a credit report from XXXX XXXX and XXXX, giving them the same information! When you try to call Experion, you get a recording and prompts for information and it kicks you out, even though you give them the correct information, saying they " didn't get that, '' either pressing or saying the choice prompt. After that, they say you can not order a report by phone. You can not call and get a live person, either, which is frustrating. They then advise you that you have to get the report by mail. After about seven or eight tries, I was finally able to get them to send me a report by mail. This was done on XX/XX/2018. It appears to me they do this intentionally so as not to encourage anyone to get a free credit report but pay for one! This is a dishonest practice!!!

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 2018-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Back in XX/XX/2017 I placed an order at XXXX XXXX online for my daughters clothes. I never received the package and XXXX XXXX was supposed to credit my account ; since I never received or signed for the items I had to repurchase them. 

I have never been credited and they are expecting me to pay for items that I NEVER received. 
They call my phone at least 10 times a day from restricted numbers threatening me that they are taking further action and now they are calling my parents and my aunts and uncles home phones.

This is HARRASSMENT and I want it to stop!!!!!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-19 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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Purchased new XXXX XXXX at dealer, used Hyundai financing for new loan, paid off loan in full XX/XX/2011, never received original certificate of title or lien release. Have been contacting them for a lien release for a week now everyday, they promise to fax within 24 hours and then nothing is received.

Hyundai collects a title/lien release/return fee and then fails to deliver in a timely manner or at all.

We have lost a few buyers for our car since we can not provide a clean title, even though Hyundai readily admits the loan is paid in full and nothing is due.

Hyundai customer service is lying to us by having a different story each time we call to inquire about the lien release. If Hyundai can make a new loan electronically in 30 seconds why cant they release a lien in over four years?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
unable to link account to savings app XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX claimed that I owed them {$960.00}. However, I never used XXXX XXXX XXXX for my vehicle. I believe this to be due to the identity theft, which took advantage of my information. 

The XXXX XXXX XXXX ( phone # : XXXX ), is representing XXXX to collect such amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ECMC GROUP, INC.
State: IN

Complaint narrative:
XXXX XXXX has seized my bank account located at the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have sent certified mail to them notifying them that they are violating Indiana State law. The debt they are trying to collect is from XX/XX/XXXX and XX/XX/XXXX which is classified as " Time Barred '' debts according to Indiana State Law. A time barred debt is a debt over 6 years of age and ONLY allows the debt collector to send notice and NOT to take any court or enforceable action. This is part of Indiana state law IC 34-11-2-7. XXXX is clearly violating the law and needs to release my funds immediately.

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 2018-06-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX I received an alert from a credit monitoring service that my score had dropped due to an account change. I logged in and saw that XXXX XXXX had reported my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 30 days late. I immediately contacted XXXX XXXX to report that when I log into their payment system, it showed my account has having a balance due of {$0.00} ( screen shots attached ). The only time it would show a balance due was towards the end of the month. I made the payments at that time and then they were considered 'late '. 

XXXX XXXX customer service stated on XX/XX/XXXX : This is a site issue that we are aware of and our web designers are in the process of updating the system to get it corrected. 

There are also articles online where XXXX XXXX admits having issues with their payment system when they updgraded in XX/XX/XXXX.

I spoke with customer service both on the online chat and over the phone to explain my situation and have my account updated to show that the payments were not late due to an error on their end in their system. 

Even though they admitted they are having system issues, they said they will not do anything since they only have the date when my payment was received. 

I am being punished with late marks on my credit report even though their payment system has an acknowledged and admitted error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have tried on numerous occasions to get Navient to consolidate my loans into a extended graduated repayment plan. I have completed all the forms and submitted twice with no luck. I have been unemployed and on forbearance for a long time. I just started working again with a lot of debt and a new dependent to my family. I want to do the right thing, but I need to have all loans consolidated as I owe XXXX and on am extended graduated plan. I reached out to FASA and the system referred me back to the loan service provider Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: Security Credit Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX main XXXX fax XX/XX/2018 VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX : Security Credit Services , LLC Assignee of XXXX XXXX XXXX ( XXXX XXXX ) v. XXXX XXXX ; Case No. XXXX ; XXXX County Justice of Peace Precinct No. XXXX Dear Sirs : I represent XXXX XXXX. We have become aware that XXXX XXXX filed the above- referenced lawsuit on behalf of Security Credit Services , LLC . Although XXXX XXXX has not been served ( he has moved from the address you apparently have ), he is aware of this case.

Please be advised that the debt that is the subject of this case is not XXXX XXXX ' debt. XXXX XXXX never purchased jewelry or incurred credit with XXXX XXXX XXXX or XXXX XXXX. He does not live in XXXX, never shopped at XXXX XXXX and never authorized the use of his credit at XXXX XXXX. In fact, a couple of years ago, XXXX XXXX received a telephone call from XXXX XXXX about this debt and explained to them that they had a wrong person and that apparently XXXX XXXX had been the subject of identity theft. 
Accordingly, we demand that you immediately file a Motion to Dismiss the case with prejudice, immediately remove all negative activity with all credit reporting agencies and cease any further collection efforts. If XXXX XXXX is forced to defend this lawsuit, he will seek recovery of all expenses, including legal fees, expenses incurred in connection with repairing his credit and all other damages to which he may be entitled due to your erroneous reporting to the credit agencies and the filing of this lawsuit. XXXX XXXX will also report this action to the Federal Trade Commission and the Consumer Financial Protection Bureau. 
Please forward file-stamped copy of the Motion to Dismiss and evidence of corrected reporting to the credit agencies to this office within ten days of the date of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/2018 Page 2 Thank you for your prompt attention to this matter. Sincerely, cc : XXXX XXXX XXXX XXXX XXXX The jewelry store received the certified letter and to this date has still not dismissed this case. I have been contacted by XXXX at XXXX XXXX who for additional fees will get this case dismissed. She is aware of this mom and pop jewelry store because other clients had their credit violated even though like me had our credit blocked from all three credit agencies. 
XXXX XXXX new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
On XX/XX/XXXX I was told my a potential lender that my credit report was frozen and could not be accessed. I had them re-submit the request with the same result. I immediately called and spoke with numerous people at all three of the credit reporting bureaus. I was transferred, and given other numbers to call, all people saying there was no problem with my account. The next day, the lender tried again, no luck accessing my report. I again called all three agencies, speaking to multiple people and found that there was a freeze on my account from last XX/XX/XXXX. I asked that it be removed. Next day the lender again had no luck with the credit report. I again called all three bureaus and Equifax finally told me that there was a block on my account and the only way I could remove it was to purchase a " freeze '' for XXXX dollars. I did this and they walked me through the web page to then remove the purchased " freeze ''. My logon screen showed there were no locks and no freezes on my account. On the following Monday my lender once again tried accessing my credit report with no luck. This was about mid day. I called Equifax once again and they again reassured me that there was no freeze and that the request should have taken place immediately ( last Friday ). I then pulled my own credit report on XX/XX/XXXX and noticed that Equifax had my status changed to " File Blocked For Promotional Purposes ''. I called them on XX/XX/XXXX and spoke to several people inquiring about the " promotional block '' and was told this was another additional feature that transpired with the initial lock/freeze back in XX/XX/XXXX but this was never mentioned to me in any previous conversations. I asked for the " promotional block '' to be removed immediately and was informed that it would take 30 days. I asked them to begin the process and noted on my calendar the followup date. I will followup with them but am very unhappy with the run around I have received. I will be back in touch with you if in 30 days they have not removed access to my credit file,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/18, my car window was smashed and my entire purse was stolen. My wallet with all my money, credit cards, ID and checks. While at the scene with the Deputy who was writing the report, my DISCOVER card was used at a gas station ( I had received an alert on my phone ). At that exact moment, I told the deputy AND I called DISCOVER to report the fraud/crime. I explained to DISCOVER what had happened, I explained I was at the scene of the crime and that during that time, my card was used at a gas station for about {$44.00} worth of gas. The rep at DISCOVER seemed very apologetic and right away they closed the account and reported the fraud. I gave the rep the POLICE case number, the POLICE phone number AND the POLICE Detective 's name. The rep assured me that I would be protected and NOT be responsible for the FRAUDULENT charge. Fast forward 30 days, DISCOVER continuously failed to return the calls of the DETECTIVE working on my case. The DETECTIVE was able to track the FRAUDULENT purchase along with a video of the perpetrators.However, DISCOVER refuses to return the calls of the DETECTIVE and  investigate the fraudulent charge. I mailed DISCOVER a copy of the police report as well. As of today, XX/XX/18, DISCOVER refuses to acknowledge the FRAUD, investigate the case and denied my claim stating that I am responsible for the charge. After all that was/is provided to DISCOVER, and the DETECTIVE 's calls and report, they have IGNORED it all. DISCOVER has refused to follow through on all of the information and investigate this matter properly. Yet, DISCOVER " claims '' to protects its customers/clients. I need DISCOVER to honor the FRAUDULENT charge, reach out to the DETECTIVE on this case and properly remove this charge and clear my name/credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX account # XXXX was removed from XXXX report XX/XX/2018 unverified/inaccurate account Transunion & XXXX please remove & delete false account immediately

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