vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hello - As per Federal Law, the statue of limitations, 7 years, has elapsed on this alleged debt below, even should it be ours. It is now ZOMBIE DEBT which under Federal law is illegal to report. We have asked Experian to remove the misinformation, however they refuse to comply with the Fair Credit Reporting Act ( 15 USC 1681 et seq. ). Please note, XXXX and XXXX as complied with the Fair Credit Reporting Act and removed these ZOMBIE accounts months ago. Please investigate why Experian is refusing to remove this inaccurate information and comply with federal law. 

1 ) XXXX XXXX {$6400.00} {$5000.00} 128 % Revolving Negative XX/XX/XXXX -- - 2 ) XXXX XXXX {$3700.00} {$2800.00} 133 % Revolving Negative XX/XX/XXXX -- - 3 ) XXXX XXXX {$6600.00} {$5000.00} 132 % Revolving Negative 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 non-monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I tried the CHRCK STATUS above. The page says welcome XXXX XXXX and nothing else happens. 
I would like to check the status on my complaint XXXX. Citizens Bank has never provided proof of their actions which they promised me months ago. I since checked with XXXX Child Support Agency. The state of XXXX never properly filed for a Multi State Levy in XXXX to take such action. That 's because no such court pay order exists. I just want my money back. 
ThanksXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: WI

Complaint narrative:
Still having issues with Seterus Mortgage. They did get back to me stating that they made a mistake on reporting my paid payments to the credit bureau. Got the letter and am still trying to get pre-approved for a loan. Now XXXX XXXX & other places I have been dealing with state that I have to wait until it is fixed on my credit report. Months? I 've been trying to get pre- approved since XX/XX/2016 They did n't report the payments correctly and now I am to get it fixed? Seterus is going back to XXXX through XX/XX/2016 and fixing the credit report. At least they say so. All I want to do is get pre-approved, sell my house and buy a different one. There must be a special circumstance with the mortgage company underwriters to approve this. They received the letters from the company. They apologized for any inconvenience ... well it is very wrong and how they stay in business is beyond me. Should I file a grievance with the credit bureau too? That I have to wait for something that I had no control over. Sure hope you can help with this one. Thank you! 

Also, XXXX Bank reported XX/XX/2016, late, which was wrong. Attaching this letter too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OK

Complaint narrative:
Ditech personnel have called multiple times requesting different amounts to catch up and pay double payments to keep from foreclosure, but when I start to agree and make payments; then another call states somebody else is over account and no notations were made about agreement to pay and again threat of foreclosure and will not email or state anything in writing. just phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Have been charged late fees since May 2016 by BP, Synchrony Bank. I pay my credit cards, online through my bank, and since we are retired and receive Social Security ( SS ) the XXXX and XXXX of each month, I pay them ahead, usually the XXXX or XXXX of the month for the next months bill to avoid late fees. I noticed the above statement for XXXX, 2016 had a late fee. I called them and they said any money they received after the due date, but still in the present month is credited to that month. They consider my payments as late, not in advance. The account was originally made by us with XXXX, not Synchrony. Since I only view my statement once in awhile, I did not realize they were doing this. First I never received a notice stating the change of companies and/or stating the change in payment rules. XXXX never required me to pay ahead in the month it was due. I always enter the date for the payment to be credited for and they obliged. How can I get help about this, since the only one I have been able to talk to is in the XXXX. I asked for a supervisor, the first time and was told I needed to get my husbands permission to discuss it any further. The second time, today, I waited on the phone at least 15 or more minutes and still no supervisor. 
Are there no banking/credit card regulations regarding this to protect the consumer from literally be robbed of funds? Please help. I ca n't find anyone at Synchrony to communicate with.

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 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On Equifax, XXXX, & XXXX, I sent Certified Mail Manila Envelope On XX/XX/2016 with all my dispute Information with the creditors reporting my negative credit history to be remove it has been over 6 months, and they have not acted on this documentation to remove all my negative information thru my certified letters to each XXXX, Under The Fair Debt Collection Practices Act .They are breaking the law. They want me to start new disputes. Which is unnecessary. Because of the certified mail envelopes sent to them proving these companies never responded to my letters by certified mail with in 30 days, never responded to me at all under the Law Of the Fair Debt Collections Practices Act. So I need all this negative information remove now, been six months no response. Only open new disputes. I am not going to resend & spend my time, and money, When they have all this proof & documentation from XX/XX/2016 that i have confirmation they receive all the documentation.Please help I need all this negative information remove again under the Fair debt collection practices act. Thank you, XXXX If need can supply you with my more personal info, and documentation sent to the By certified mail, I am applying for a mortgage very important Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have disputed debt buyer accounts on my credit reports to all XXXX agencies because when the XXXX collection and the XXXX collection were due to be removed in XXXX of this year they all XXXX allowed debt buyers to replace these on my credit report even though that is illegal. I want these removed immediately. I want proof of where I signed with these debt collectors, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TRANSUNION is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have 30 days to responded to my request. I also need TRANSUNION to present a certified final forensic audit in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also need them to present these documents from the following vendors/creditors : XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 2015-04-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent Experian a written dispute on XXXX different occasions by certified mail. The only response received was a letter saying that Experian thought it was a suspicious request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My wallet was stolen on XX/XX/2016 with all my information social security, debit and credit cards, Drivers license. The perps have used my social to open credit card accounts under my name I 've reported the situation to the credit bureaus I 've placed a fraud alert and only XXXX has deleted the fraudulent inquiries I 've had about XXXX inquiries since XX/XX/XXXX and XXXX account was opened. I 've reported this to the FTC and my local police I 'm a victim of identity fraud and I need help. The perpetrators address has been added to my own credit report as if it 's mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: AZ

Complaint narrative:
Debt was paid to original creditor directly and now L J ROSS ASSOC is holding my credit report hostage because I did not pay them my debt directly ... although I paid the debt off in full to original creditor ... .who agreed to have it removed from my credit report ... had I paid L J ROSS ASSOC directly it would have been removed from my credit report. L J ROSS ASSOC is holding my credit report hostage out of retaliation for me not paying the funds to them directly. It is a harassment tactic to bully those who pay off their debt to original creditor directly. All other collection agency that I paid directly on my credit report removed those items of collection from my report except L J ROSS ASSOC ; whom I did not pay directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI

Complaint narrative:
XX/XX/2017, Received a phone call from a woman named XXXX she called from XXXX from XXXXX WI. She told me that she is trying to delay the warrant for my arrest. That I should call Chief Investigator XXXX Phone number XXXX and provide him with this case number XXXX. In fact, XXXX XXXX calls me at XXXX on XX/XX/2017. Tells me that they will be coming out to my house to arrest me at XXXX. XXXX, WI that may also take a while to have a judge see me due to my past record having Theft record, I said that was dismissed, I did not do anything. But if I want to take action in not going to jail. That I would have to pay {$1500.00} that he is going to transfer me to a person who will give me what I need to pay. He transferred me to a woman XXXX, she provided me with the information XXXX & it would go to XXXX. The Account number is XXXX, Routing number XXXX. I would need to call XXXX after the transaction is complete. So I call my attorney he advised me not to pay, Investigator the money. The Attorney did find any type of complaint filed. Also, the attorney stated that this was a new way to scam people for the money if he does call back. To ask him to send me a bill. As I was talking to the attorney I received a phone call from my cell I answered it and XXXX he called from this phone number XXXX XXXX County Sherriff he was going through with criminal complaint at the sheriff 's station.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: VI

Complaint narrative:
This agency is not licensed to collet in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CT

Complaint narrative:
hello, My name is XXXX XXXX. my wife and I have a mortgage with Caliber homes inc. back in XXXX under there advise started a modification with there company and since the our back payment of XXXX has turned into XXXX. partly because they took forever to yield any results. when we started this process it was to see if we could put what we owe to the back end of the loan and start fresh. My wife has a XXXX and because i used up all paid sick days to take care of her and our XXXX children. my Job was understanding about my situation i didnt lose my job but days with paid were only so many days and we went over the amount. there are few months were we were short in the paycheck. so in XXXX we tried to make good her medication was under control and she was back on track which means i was back on track but that was not concerned them since XX/XX/XXXX all we did was increase the bill to the point where its out of control and now we are in forclosure with no sale date. if feel lied to and i was mislead. i want action

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
My husband and I 's minivan was totaled in XXXX of 2016. Someone without insurance ran a stop sign and hit the back end of our van, even causing it to somehow catch on fire! Anyway it was considered a total loss. Thankfully we had GAP insurance. Come to find out that our GAP insurance company did not pay the full amount they were obligated to pay. I talked to both the lein holder and the GAP insurance company and both parties were saying that the other one was wrong/had the wrong amount that GAP needed to pay to cover the remaining balance of the vehicle. Eventually there was a balance with accrued interest left on my account with the lien holder and it went on my credit report as a 30 days late payment since there had been no payment. I had to end up paying XXXX dollars just to prevent the account from going 60 days past due. Although my lein holder was sympathetic to my situation they have refused to remove the 30 days late payment from my credit. During all the talks I had with them -- they did admit it was the GAP insurance company 's fault that my account went past due and since then they have wrote off the remaining balance on my account which was about XXXX bucks. But i still have this issue with my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My issue with the XXXX XXXX been shut down, however I am XXXX and I went to that school, unfortunately there not professional, fraud, discrimination, lack of communication, lied, mislead, job interview wo n't accept anyone from XXXX student, XXXX and being force to XXXX and communication. Anyhow, I explain my situation to Navient customer service, nevertheless they wo n't help or say any more provide, whatsoever I felt like they have been harassing me whenever they called, email, yet without giving me the statement of how this bills of amount that cost ... They does n't have any Private Loan Forgiveness or School Discharge whether the Wyotech been shut down, therefore they said, " You went to school and you are responsible paying for it by their approach meant to say, Sorry they can not help you and I have to deal with it. '' Plus my wife is XXXX and it is possible for me to make those kind of payments, and I been trying to get BBB involved for XXXX, unfortunately they can not do anything because the school been shut down. Navients does n't have the program ... I, also tried to get an email from DOJ, XXXX, giving me these information. I am trying to find the result, but it is hard without knowing how to find a way for lawsuit or sue or waive the cost of this kind of situation. If you know anything about this to able help, I would like to know because it will help me and other person who is having trouble with this issue. Whether the XXXX been shut down XXXX XXXX, CA, therefore it should be able apply all the students who went there including myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My credit union mailed XXXX checks to XXXX credit card agencies. XXXX to XXXX, and XXXX to Citi. The check mailed to XXXX cleared on XX/XX/XXXX. Citi is stating the check mailed to them has not posted yet. I suspect they are delaying posting my payment to accrue interest on my account. I contacted Citi, and they were of no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: TN

Complaint narrative:
I filed for chapter XXXX bankruptcy XX/XX/2011. I did go to school after filing. Notice of filing was provided to the Federal Loan employees when they called every week. They have continued to report late history on my credit report. A call was placed to them two weeks ago to address the issue with reporting negative payments. The rep stated they would correct as payments should have not been reported. When the reports were checked, it was noted that the accounts were reported as current under negative account information on XXXX, and showing 11 missed payments for the past two years on XXXX and XXXX reports. They should not be reporting negatively to any credit bureaus due to the active bankruptcy. The information should also be reported under the correct sections of the credit file. I am asking that the company report the information accurately on all the credit files as it has really added to the negative standard of my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Feldman & Stern, LLC
State: GA

Complaint narrative:
I got a email from a collection company. so I call to let them know that it was my ex husband not me. so the det compny proceeded to tell me I owe this debt because I was his wife. I said nope ex-wife. XXXX proceed to tell me I was going to pay this bill or I would have to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
A medical Debt owed to XXXX in the original amount of {$930.00} after comprehensive insurance was incurred on XX/XX/XXXX. This debt was paid in full to XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX on XX/XX/XXXX as a part of XXXX medical bills paid in full that day to XXXX. During XX/XX/XXXX, Attorney XXXX XXXX, representing XXXX, on her letterhead from the exact address as XXXX, sent a letter to me demanding payment of the same debt, same creditor, incurred on same date, in the same amount of {$930.00}. Said letter offered me the opportunity to pay to avoid being sued. My husband immediately negotiated a settlement of the debt in the amount of {$650.00} assuming this was a different medical bill. Upon reviewing our financial paperwork before filing our taxes, I discovered that he had in fact paid the same bill on two separate occasions, once onXX/XX/XXXX and again on XX/XX/XXXX. It is the exact same debt and XXXX, through the efforts of Attorney XXXX, who, in full possession of the complete file and collection data and spreadsheets, knowingly and maliciously collected the money twice. They are now refusing any of our attempts to contact them and settle this matter.

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 2016-05-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: TN

Complaint narrative:
On Friday, XXXX XXXX, XXXX, I submitted an Identity theft report to XXXX. This account was documented in the Identity Theft report that was provided to XXXX on XXXX XXXX, XXXX. The account in question was for a collection company called XXXX XXXX XXXX for an XXXX account. On XXXX XXXX, XXXX XXXX removed this account. 

On XXXX XXXX, XXXX, XXXX added a collection account from a collection company called Enhanced Recovery Company. Enhanced Recovery Company is attempting to collect the same debt that XXXX XXXX XXXX was attempting to collect which was a fraudulent account documented in the FTC Identity Theft report, the police report. 

Enhanced Recovery Company has never sent me any notification of the debt for me to verify or dispute. I learned the collection through a credit monitoring service. I googled their contact information and called them on XXXX XXXX, XXXX. They claimed to have mailed a collection letter to an address that I have not lived at since XXXX. Enhanced Recovery Company also claims to have called me on several occasions but said Enhanced Recovery Company never left a message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief