vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account : XXXX I was never late 30, 60,  or 90 days late in the months of XXXX.. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was behind on my Best Buy credit card and it was referred to XXXX XXXX. I made arrangements through them to pay Citibank the owner of the card ( Note Citi still owns the debt ). This occurred in approximately XX/XX/2017. Payments were set up to be automatically drawn from my checking account and have been done so every month. Most months I have been paying OVER the minimum required. I had a difficult month and called XXXX XXXX and asked that my payment be changed from XXXX to the minimum of 80 something for 2 months - I was told that was fine and I would stay on track. Come to find out that starting with the second month BestBuy has been considering it late because the minimum must have gone up a few dollars and have been hitting me with late fees. According to a statement I just got the total has been {$100.00} I have placed phone calls to them and finally spoke with the Internal Recovery Dept who verified I have never missed a payment, that my payments are on time and are regulated through the XXXX XXXX. First they tried to tell me that the fees were from XXXX XXXX and I pointed out that they were from BEST BUY aka Citi I asked that the waive that past late fees and credit my account and they refused saying " It's too bad I was given faulty info by their agent ''

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 2018-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I rec 'd phone call from " unknown '' who turned out to be XXXX XXXX XXXX out of Illinois trying to collect a debt that was not my husbands debt, but his ex-wife 's. My husband never had a credit card in his name until XXXX. They told me, if I did not agree to the terms and give them a 'good faith ' payment today, they would garnish my husbands paycheck and put a lien on my car. Of course I got upset, not thinking straight and paid them {$100.00}. After further research on my part, I realized that this was a scam to collect an old debt. I called my credit card company, told them I was scammed, and that I need to cancel the card. This company has over 100 negative complaints against them on XXXX website, all complaints are about the company trying to collect on old debt. Then I realized that the last know activity on the account is from XXXX. I am awaiting a letter from the company. They stated they would be mailing me out one today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I set up a XXXX with XXXX XXXX and agreed to pay {$150.00} setup fee for a years service. Upon set up, XXXX XXXX never disclosed there would be a {$230.00} filing fee with the State. However, XXXX XXXX took {$230.00} those filing funds from my credit card without my authorization. I no longer want or need XXXX XXXX service, and don't want to continue the service for an additional year. I have made this well known to XXXX XXXX on several occasions, and also filed a report with the XXXX, which they know about. There are several complaints registered on the XXXX  website, with the identical problem. XXXX XXXX wants me to file a report with the state of Nevada, to close my XXXX. Since XXXX XXXX registered the XXXX without my consent, then it is their responsibility to file the necessary paperwork at their expense to correct their mistake. I have been continually harassed by first XXXX XXXX and then collection agencies for {$150.00} renewal, which I don't want. XXXX XXXX needs to stop any further correspondence with me, repay the {$230.00} they took from my account with my authorization. XXXX XXXX to file any necessary paperwork at their expense to close the XXXX, which was never disclosed to me. In additional XXXX XXXX needs to stop their deceitful business practice, of not informing customers of all the fees required to start a XXXX with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc.
State: CA

Complaint narrative:
{$200.00} Medical debt for XXXX XXXX on a XXXX. Doctor was coverage by the insurance. The lab I found was not covered being out of network. The insurance company said they would pay for usual and customary amount to the uncover lab. The lab would not take this wanted full amount. The lab said they would work it out with the insurance company for a dollar amount. The insurance company wanted to pay a partial but the lab would not take it. I contact the lab said only full retail amount would be acceptable but would contact the insurance company again to ask for full payment. Instead they sent the {$200.00} Debt to SCA collections. I explained the mix up to SCA. They would not listen. Placed debt into credit collection on my credit reports. I have over 10k in my HSA account. The money was not the issue but the amount and billing from LAB and Insurance. This should have never gone to collections. I filled a dispute with the three collection agency 's. The letter stated the information above. Two of them removed it. XXXX would not. They stated it must come from SCA collections I called them again. Asked for to remove it.They WOULD NOT remove it AGAIN. I know I spent more than {$200.00} worth of the various company 's time to trying to remove it. I paid the {$200.00} in XX/XX/XXXX. XXXX shows it closed in XX/XX/XXXX. Again This is wrong. This is holding up my new home 's  mortgage rate reduction. I have NEVER missed a payment. This all over a {$200.00}. If you need car repairs you get en estimate, If you need a service Painting etc.. You get estimate. Only in medical none emergency you can't ask for a estimate and review before you get the service. Something as to change! They can charge and use any medical supplier they chose. There is NO checks and balances.

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 2018-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I cosigned for a private student loan for my wife, who was my girlfriend at the time. They have sent court documents to my former residence. They have not tried or attempted to contact her. The law firm representing the loan company will not come to the phone or call my wife back. The loan was originated in 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: Williams & Fudge, Inc
State: GA

Complaint narrative:
William and Fudge is a collection agency that works for XXXX XXXX. I agreed to a payment plan with the Williams and Fudge collection agency to prevent any negative remarks from being reported to Credit Bureaus. The Williams and Fudge collection agency received my payment and then reneged on our agreement. I spoke to several rude and incompetent supervisors that work for this collection agency. XXXX XXXX was the main supervisor that was extremely unprofessional and rude. XXXX XXXX is the supervisor that reported the negative remarks on my credit report. I contacted XXXX XXXX directly and resolved this matter by paying the {$670.00} in full. The XXXXXXXX tech business office assured me that everything would be taking care of and the negative remark on my credit would be removed from my credit report. I received an email from the XXXX XXXX business office stating that the William and Fudge collection agency informed them that the removing of the negative items on my credit report would take 2-3 months to remove. Unacceptable!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was an authorized user ( NOT FINANCIALLY RESPONSIBLE ) on the following negative accounts that are illegally impacting my credit negatively : 1. XXXX XXXX XXXX on XXXX 2. XXXX XXXX  on XXXX and Equifax 3. XXXX XXXX on Equifax 4. XXXX XXXX XXXX on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Hey I have a problem with Santander consumer usa, They came  and got my car on XX/XX/2017. I tried to make arrangements to get my car back but they wouldn't work with me. They took my car I had for 5yrs paying XXXX a month the car was paid for. They never let me know where to pick up my belongings in the car and I had my license plate on the car. They never sent me a letter telling me where I could come to the Auction to buy my car back. Santander still has on my credit report that im late every month for a car I dont have. They have different amounts that I owe XXXX for XXXX and XXXX for XXXX, XXXX for XXXX. If they sold my car how come the amount is still high? I gave them over 28,000 over 5yrs the car was pa I d for when they came and got it. I want Santander to remove this account from my credit report!!!! This account is lowering my credit score and I cant get another car and their reporting wrong information on my account. I want them to pay for my car that they too from me and pay for my license plate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is absolutely horrendous to deal with. They do not provide clear manners in which to reach a live customer support agent. My account with them ( which had a security freeze ) was provided a pin. I lost the pin. When I tried to lift the freeze to allow myself to get a mortgage, I was unable to do so. I needed the mortgage urgently. However, they did not provide any direct customer service manner to lift the freeze. I had to upload my Drivers License, social security number and bank statement. However, they gave no indication that they received the documents. 

They make it very easy to sign up for a paid service. However, they make it nearly impossible to remove or temporarily lift a service if you have misplaced one item. This is horrible service and results in false advertising and possibly financial hardship. One only need to go online to see how many people have trouble getting " real '' phone numbers to spake to an agent with th

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 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had a credit card with XXXX XXXX XXXX. i have had perfect credit with them They first gave me a credit line of over 900.00. We always paid on time. Once we had to put tthe amount of XXXX in the mail. I sent a money order in good faith on the XXXX of the month when it was always due by the XXXX. I contacted the company on XX/XX/2018 and told them the money is on the way, Someone ( XXXX ) from the XXXX XXXX XXXX  Dept said we wait for the money order which should be here on time, If not we will credit your account as being in good standings.because you made this phone call to us. To our Dismay they did not keep their word.or agreement. We received a letter in the mail statement that My credit line was being reduced by the XXXX credit bureau from {$900.00} to {$500.00} because of a number of excessive late fees. That is not true. We were never late!. When i called the XXXX XXXX XXXX. i spoke to a young woman named XXXX at ext XXXX she said she understood the problem and then gave me a fax number to the credit dept of XXXX.telling us to make this statement " We are requesting the impact of my credit limit to be reversed and brought back to the original status. unfortunately the XXXX XXXX XXXX dept did not fix this problem nor did XXXX. I feel at this point my civil rights are violated by not only XXXX XXXX but XXXX where there may be some collusion involved

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 2018-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America closed my checking account, without providing a reason, on XX/XX/2018. I had {$290.00} in the account and they said they mailed me a check on XX/XX/2018 for the amount noted above. It is XXXX XXXX, 15 days later, and I have not received the check. I called them and asked that they cancel that check ( obviously lost in mail ) and issue a new check, or let me go to a branch of their bank and get my funds. They refused to let me go to a branch, and further told me if the check were cancelled I would have to wait 90 days to get another check sent out. This is ridiculous and I'm sure any consumer would agree with me. This is MY MONEY and I want it NOW! All they have to do is cancel the check they SAY they mailed, and call their local branch and give me my money. My next step will be to confer with an attorney and take them to court.

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 2018-07-16 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I have paid off my Credit card balance on my target red card. However that collection is still showing on my credit report. 

While paying balance off, XXXX credit department promise me that, this will go off from credit report once balance paid off. 

Need help on removing this collection from my account. 

Thanks & Regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I submitted a loss mitigation package to my lender, SPS, on XX/XX/2018. I then submitted more documents on XX/XX/2018 to complete the package. I am now being told by SPS that there is nothing they can do because the sale date is too close. My sale date is scheduled for XX/XX/2018. I am a US Veteran and no one from SPS ever reached out to me to offer me any assistance. I have never been assigned a designated point of contact and the excuse that there is not enough time to review the information I sent on XX/XX/2018 is absurd and a violation to my rights. SPS has always given me the run around and now I am forced with no other options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/18 I opened an account online with Chase and deposited {$25.00} in the account. They allowed me to sign up for online banking, overdraft protection, order a debit card, and so on. I go to log into the app today and tells me the account is restricted. I then call the bank and ask what is going on and they say they have nothing they can tell me aside from the fact the account is being closed. I then asked what of the {$25.00} I put into the new account and they then tell me that not only will I have to wait 7-10 days after the account was opened and then closed that I would have to wait an additional 7-10 days to get a check from them. I asked them they received the money electronically why can't they send it back the same way and they had no answer to that. The bank is in essence hiding something and believes that they do not have to disclose that to customers in the least. I want to know the exact reason the account couldn't be opened and I want my money back immediately. I asked the representative if it was {$2500.00} would I have to wait as well and she said yes. There is no way the bank should be able make money off of me or anyone by sitting on funds whilst refusing to return them in a quick way including the same way they received the funds which is electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I received an Action to Foreclose a Mortgage on XX/XX/XXXX. Included in that document was an acceleration of the debt. ( Please see attached pages Items 6, 7, 8, 9 ). 

The Acceleration date determined was XX/XX/XXXX. 

The 6 year Statute of Limitations expired on XX/XX/XXXX yet the Plaintiff, through a debt collection agency named XXXX XXXX XXXX, headquartered in XXXX, NY, has ignored the law and continues to attempt to foreclose on my property. 

XXXX filed a subsequent foreclosure Action for the same Plaintiff on the same matter, on XX/XX/XXXX, which is almost two months past the 6 year Statute, which they had to know or did know. This is a willful, knowledgeable, non compliant action on the part of the Plaintiff, XXXX XXXX XXXX XXXX XXXX, Ocwen and XXXX. 

Ocwen 's latest attempt to collect on this debt was a demand for payment dated 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 2018-07-16 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: NC

Complaint narrative:
I submitted a dispute stating debt from XXXX XXXX. was no longer my liability. Equifax did not contact XXXX XXXX to verify this. They just stated that it was my account and closed the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: FL

Complaint narrative:
THEY NEED TO VALIDATE THAT THIS DEBT IS MINES BY SHOWING PROOF THAT THEY OWNED THE DEBT HOW MUCH THEY PAID AND THEY NEED PROVIDE ME PROOF THAT THIS IS MINE WITH MY SIGNATURE AND CONTRACT. THEY HAVE FAILED TO PROVIDE PROOF I HAVE REQUESTED THEM TO STOP CALLING AND JUST HAVE EVERYTHING IN CORRESPONSE THEY HAVE FAILED

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