vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
After pulling my credit report, I noticed a collections item for a utility bill with XXXX XXXX XXXX being " collected '' by Online Information Services ( XXXX XXXX XXXX XXXX, NC XXXX ) since XX/XX/XXXX. I have never received from the original company nor Online Information Services ANY notification of a debt. No call, nothing written. I would have never known had I not pulled my credit report wondering why it was lower than I thought it should be. My understanding is that I need to be contacted with notification of debt collection activity within 5 days of initial contact ( FCRA 809 ( a ) ) which the FTC in numerous advisory opinions and in established case law has deemed reporting to credit bureaus as constituting initial contact. It is an unreasonable assumption that a person would be constantly pulling their full credit report and without notifying me of debt collection they have been harming me financially for almost a year. I am willing to continue to pursue this violation as this has adversely affected my ability to secure an apartment to rent. By not contacting me at all about a debt they have been reporting for 11 months, this company seems more motivated by financially harming consumers as opposed to actually resolving debts. It took me requesting validation inXX/XX/XXXX and finally receiving a response letter dated XX/XX/XXXX to have any information other than what is reported on my full credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was a victim of identity theft. a lot of accounts were opened in my name and it 's still been reported.

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 2017-08-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was a victim of identity theft. a lot of accounts were opened in my name and it 's still been reported.

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 2017-08-26 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Credit card payment was sent on time. Wells Fargo claims they did not receive on time

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 2017-08-26 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: Netspend Corporation
State: FL

Complaint narrative:
Received a mastercard from a company called Netspend in the mail today. I did not apply for this card or ask for it to be sent to me. When I called the management company listed on the Card facts ( XXXX ) I was told they do not mange the card and I would have to call a different number. I located a number online for netspend but when I contacted it I was unable to speak to a live person unless I activated my card or provided them with my social security number.

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 2017-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I was behind on my home mortgage, so to keep the house from being foreclosed on and stop the late payments I did a modification of my loan. By doing this i was assured that the late pays would stop. They did n't stop showing rolling lates on the loan even after the modification was done. I 've tried disputing it with the company and the credit bureaus but have had no success. I make my payments on time and it still shows late pays every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Equitable Acceptance Corp
State: NY

Complaint narrative:
Over a year, a company called XXXX XXXX XXXX , XXXX a loan consideration company reached out to me to help me with my student 's loan. As the process took place information was exchanged, and I wanted to reach back from them to see if I was approved. I never heard back from them. A few weeks later I heard from a different company called Equitable Acceptance Corporation ( XXXX ) reached out to me in regarding telling me that they were the ones who processed the consolidation and payment will start up in XX/XX/XXXX. 
I was afraid that XXXX XXXX XXXX , XXXX might have sold my information to this company. I asked them to provide a phone number for XXXX XXXX XXXX since I have had a hard time reaching them two days after speaking to them. The number Equitable Acceptance offered was a nonworking number. I also told them that I did n't reconsolidation with them and was still waiting to hear back from XXXX XXXX about my application. I told them that I spoke with XXXX XXXX and I did n't know why a different company was reaching out to me for future payment. For a service that I did n't yet agree to pay for yet. I did n't sign my name to anything so, why would I provide a phone to a person over the phone that I had never hear of. 
Ever since Equitable Acceptance got my phone number, they have been harassing by phone and email. They also stated that they had emailed me notifications for payment as well. I ask them many times to stop calling me. Each time they called me they asked for a credit payment. And each time I tell them that I will not pay them for something that I can do myself by going online through the department of education. 
I have reported them to the BBB and other government entities. 
I have been trying for over a year to reach XXXX XXXX XXXX , XXXX, the company I originally dealt with, and I have had no luck. Each phone number I have tried I get an error message, or fax sound come from the other end. 
Begin of XX/XX/XXXX I got in contact with Equitable Acceptances about the contract I signed and as I read the document place that should have been signed or name should have written on was done by someone else. Because the signatures/printing does n't match my own. 
I am at a loss, I contacted a lawyer about this situation, and I am frustrated and at a loss and I do n't know what do. 
Any help I can receive would be greatly appreciated. 
Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 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: ID Analytics, Inc.
State: MN

Complaint narrative:
XXXX 2017 applied for a car loan. Was denied credit based on report from XXXX XXXX giving low credit score when all other companies show over 800. Unable to contact via phone and website states only way to obtain report is to mail in numerous personal documents. No clear explanation as to why credit score is reported low by XXXX vs other companies. Reason listed is " trades too low ''?

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 2017-08-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, 2017, I initiated a billing dispute for {$960.00} with Citi for a charge to XXXX XXXX XXXX. The {$960.00} was a deposit for a moving service that XXXX  XXXX XXXX.was to provide. However, XXXX XXXX XXXX canceled my move mid-move and stole my deposit. I explained this to Citi and attempted to recover my {$960.00} deposit, but was told by XXXX from Kentucky ( Citi Employee # : XXXX ) that " if the contract states the document is non refundable citi can not change the terms because it was agreed by the consumer. '' This effectively allows any business to simply include " non-refundable '' in their documentation, cancel their part of the agreement, and take advantage of/steal from customers. I believe this goes against the intent of customer protections that credit card companies are supposed to provide. Citi allowed XXXX XXXX XXXX to steal my money!

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 2017-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX c/o XXXX XXXX ( P.O.A ) XXXX XXXX XXXX XXXX, Ga XXXX The purpose of this letter is to file a complaint against Ditech LLC ( servicer ) & XXXX XXXX ( investor ). 
Around XXXX or XX/XX/XXXX, XXXX XXXX had contacted Ditech ( servicer ) for some assistance on the mortgage payments. XXXX XXXX advised the representative the mortgage payments are almost amount received for her SSI. Thus, XXXX XXXX is experiencing financial hardship due increase of expenses around the house. The representative confirmed that Ditech can aid with this request, but XXXX XXXX is required answer a few questions to see if qualified to receive some forms from XXXX XXXX to aid with her request of a manageable mortgage payment. 
I, XXXX XXXX, am XXXX XXXX XXXX, and I assisted my mother with answering those questions & filling out the forms ; however, XXXX XXXX or I was not advised the main requirement required to be approve for assistance from Ditech & XXXX XXXX. XXXX XXXX & I was never advised by all the representatives & supervisors from Ditech, letters from Ditech, missing documents from Ditech & XXXX w/ XXXX XXXX XXXX Ditchs response from the file compliant, XXXX 15 days investigating against Ditech , emails from XXXX , and phone calls with XXXX that we were advised that XXXX XXXX mortgage payments must be 60 to 90 days delinquent before providing any assistance. 

Therefore, our thought process is why send the forms for assistance twice, why tell us what documents were missing, why send all the required documents & forms for assistance, and why do a 15 days investigation if Ditech & XXXX w/ XXXX XXXX both knew XXXX XXXX mortgage payments were not delinquent & the account would not be approved because of this reason. 
When XXXX XXXX called Ditech onXX/XX/XXXX to see why, and a representative stated it was XXXX XXXX  who made the decision & that maybe my mother should sell her home if she could not afford her home. However, XXXX w/ XXXX XXXX stated it was Ditech who made the decision, and it was nothing XXXX XXXX could do as an investor. Then XXXX XXXX refused to provide XXXX XXXX with a supervisor, that all supervisors have a set schedule, the supervisors do not wait after XXXX to speak with consumers, and stated did advised XXXX XXXX of the 60 90 days delinquent. 
Thus, I reviewed all letters, documents, & emails very careful before writing this letter, and it was nothing said about the 60 90 days delinquent requirements. Now, XXXX XXXX mortgage payments are going to be {$860.00} w/ a SSI income of {$800.00}. All the letters & documents stated some kind of assistance would be provided ; however, we only got a rejected letter. 

Thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The bureaus are reporting a bankruptcy Under the new law effective XXXX XXXX 2017 any public record data must include name address as well as SSN. or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Manhattan Beach Venture, LLC
State: NY

Complaint narrative:
Over a year, a company called Manhattan Beach Venture , LLC a loan consideration company reached out to me to help me with my student 's loan. As the process took place information was exchanged, and I wanted to reach back from them to see if I was approved. I never heard back from them. A few weeks later I heard from a different company called XXXX XXXX XXXX ( XXXX ) reached out to me in regarding telling me that they were the ones who processed the consolidation and payment will start up in XXXX of 2016. 
I was afraid that Manhattan Beach Venture , LLC might have sold my information to this company. I asked them to provide a phone number for Manhattan Beach Venture since I have had a hard time reaching them two days after speaking to them. The number XXXX XXXX offered was a nonworking number. I also told them that I did n't reconsolidation with them and was still waiting to hear back from Manhattan Beach about my application. I told them that I spoke with Manhattan Beach and I did n't know why a different company was reaching out to me for future payment. For a service that I did n't yet agree to pay for yet. I did n't sign my name to anything so, why would I provide a phone to a person over the phone that I had never hear of. 
Ever since XXXX XXXX got my phone number, they have been harassing by phone and email. They also stated that they had emailed me notifications for payment as well. I ask them many times to stop calling me. Each time they called me they asked for a credit payment. And each time I tell them that I will not pay them for something that I can do myself by going online through the department of education. 
I have reported them to the BBB and other government entities. 
I have been trying for over a year to reach Manhattan Beach Venture , LLC, the company I originally dealt with, and I have had no luck. Each phone number I have tried I get an error message, or fax sound come from the other end. 
Begin of XXXX I got in contact with XXXX XXXX about the contract I signed and as I read the document place that should have been signed or name should have written on was done by someone else. Because the signatures/printing does n't match my own. 
I am at a loss, I contacted a lawyer about this situation, and I am frustrated and at a loss and I do n't know what do. 
Any help I can receive would be greatly appreciated. 
Thank you,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
I WAS LIED TO AND TRICK INTO CO SIGNING MY SISTER ASK ME COULD SHE USE ME AS REFANCE SO SHE GET A CAR .I TOLD HER XXXX NOT CO SIGNING SHE SAID NO NOT THAT.THEN SHE PUT ME ON PHONE WITH THE GUY SHE WAS BUYING THE CAR FROM WHICH A CAR DEALERSHIP.I TALK TO THE GUY I TOLD HIM I'AM NOT XXXX SAID NO JUST NEEDED ANOTHER XXXX ON HER APPLICATION SO I SAID OK AS LONG AS XXXX HAVE CO SIGN OR PAY HER DEAIT. SHE GOT THE CAR AND REPO IT IN XXXX MONTHS NOW IT ON MY CREDIT REPORT.FOUND OUT SHE WENT WITH THE GUY I WAS LIED TO.

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 2017-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The bureaus are reporting a bankruptcy Under the new law effective XXXX XXXX 2017 any public record data must include name address as well as SSN. or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information..

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 2017-08-26 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: GA

Complaint narrative:
The bureaus are reporting a bankruptcy Under the new law effective XXXX XXXX 2017 any public record data must include name address as well as SSN. or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information..

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 2017-08-26 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: Phoenix Financial Services LLC
State: CO

Complaint narrative:
I had called a number back on my phone, thinking it was my health insurance company, but it was actually Phoenix Financial Services LLC, which they did not tell me until a couple minutes into talking. The man on the phone on XXXX/XXXX/XXXX said that I had a medical debt of {$560.00} that they were trying to collect on from XXXX Kansas XXXX XXXX XXXX. He told me that the XXXX was willing to take {$400.00} over 4 months. I know now that it had been on my credit report for so long that it 's closed on the report and has been for a while. I asked him at the time what would happen if I just did n't pay such an old bill now because I really ca n't afford another payment to someone now. He said that my XXXX XXXX would just keep going down XXXX it 's been going up, actually XXXX, which I take to be him threatening to XXXX up my XXXX XXXX. I told him that I would have to review my finances and get in contact with them in a week. In this time I received XXXX call on the XXXX, XXXX, XXXX ( called them back for initial conversation, at this point I let them know I will get back to them in a week ). I sent them an email letting them know that either the amount would have to be lower, or it needs to be paid over longer than 4 months. I received a call on the XXXX in reply that they would be willing to extend it just XXXX month and have me pay {$25.00}, {$25.00}, {$100.00}, {$120.00}, {$120.00} over that time. I did agree to this, but it 's weird, because this time the same man told me this was up to his boss, when earlier it was the hospital that supposedly said they would take {$400.00}. It 's deceptive in my opinion, because the hospital would n't even return a call about them, it 's obviously not in their hands anymore, so I do n't know why he initially externalized who the responsible party was. I agreed to send the first {$25.00} on XXXX ( today, which I have not sent as of writing this ). Today at XXXX pm I received a call with " XXXX XXXX ID. '' I assume this is probably the company trying to harass me without me having a way to call the number back. 

I do n't know if this is even a debt I 'm still required to pay because the last time I even heard anything it was from a different debt collection company years ago. If the account is closed, how can they threaten to destroy my credit? I took that hit to my score once already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
I regularly check my XXXX and XXXX credit reports on XXXX. Recent check have discovered a collection placed by a company called Midwest Recovery Services for a payday loan from XXXX. Upon further inspection it appears the payday loan company is a scam. I have NEVER applied for nor received a payday loan from this company. I was also never notified of an attempt to collect this debt by Midwest except when it showed up on my report. I have submitted a Debt Validation letter via certified mail with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My statement balance of XXXX XXXX is {$3800.00} and due on XXXX XXXX. 
On XXXX XXXX I made {$1000.00} payment. On XXXX XXXX, {$800.00} payment. XXXX XXXX, another {$1000.00} payment was made. XXXX XXXX ( due date ), {$1000.00} payment was made as well. Totaling {$3800.00} payment by the due date leaving an unpaid balance of {$8.00}. 
On XXXX XXXX, a {$2500.00} payment was made covering the remaining balance of {$8.00}, any interest charged on top of the unpaid balance, and any new transaction. When I looked at my statement, there was {$23.00} charged in interest. I contacted Capital One Bank about it. They said the interests are changed on top of XXXX XXXX XXXX including new transactions. So, I inquire if I had made no payment but the minimum, I would still be charged the entire {$23.00}, they said yes. 
My main concern is XXXX as I never experience anything similar to it XXXX : is this practice legal? Or should they only charge interest on unpaid balance? It does not make sense to me that a bank would adopt this practice if not to steal from customers.

Company response to consumer: Closed with explanation