vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Account Control Technology, Inc.
State: PA

Complaint narrative:
Contacted by Account Control Technologies in XXXX of XXXX. Informed them not to contact me at my place of employment and to email or hard copy mail all correspondence to my residence. They called a few days later at my place of employment even after being informed. Spoke with several representatives including XXXX XXXX, XXXX XXXX, XXXX XXXX. Found that they had an incorrect address for me and I had not received any documentation prior to this contact. They had " XXXX XXXX '' instead of " XXXX XXXX. '' Never received any documents prior to this phone call. Signed rehabilitation agreement on XX/XX/XXXX. Signed for them to auto draft my checking account on the XXXX of each month of {$5.00} for 9 months. Emailed copies of 2 paychecks on XX/XX/XXXX as per their request. Requested an amended letter stating the actual amount due two times via email and have not been received as promised by XXXX XXXX. Their letter reflects amounts including a charge of {$2400.00} collection fee and a charge of {$520.00} interest fee. Was informed in writing via email on XX/XX/XXXX to not contact me via phone but by email / letter only. Resent paycheck copies on XX/XX/XXXX. Was informed that all collection calls, tax refund offset would not occur, etc. and credit reports would be updated showing payments if payments were made on consistent basis. Which they have been since XXXX. Contacted ACTS on XX/XX/XXXX, XXXX found they did take my XXXX tax refund of {$4900.00}. They also took XXXX refund of approximate {$6000.00}. Was bounced around to four different representatives, given the run around and told I was misinformed of the agreement. Also, XXXX XXXX was completely unprofessional and threatened to contact my employer to garnish my wages. A man by the name of 'XXXX XXXX contacted my boss on Tuesday XXXX XXXX, XXXX and left a voicemail which we have a recording of. This company is fraudulent, harassing and dishonest. All communications have been documented. I refuse to speak to them anymore via telephone. XXXX XXXX also informed me that sending an email is a courtesy?? After researching this company have found many complaints on these same issues and more. They need to be investigated thoroughly. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
On XX/XX/XXXX I received the first and only notice from XXXX XXXX XXXX services stating an offer of settlement option to resolve the account balance only valid for 30 days from date of XX/XX/XXXX. Settle the balance of {$340.00} by making a one time payment of {$200.00} in 30 days. XXXX XXXX XXXX XXXXbalance {$340.00} serv date XX/XX/XXXX. As this was the first and only notification of debt, I called XXXX for information on what was owed and why. I was told they have no information on what was owed or why they are only the collection agency and could not help me. Being a medical Bill I called XXXX XXXX which is an umbrella health care in my area. they had no record of me what so ever of me owing any bill. I called XXXX back and informed them of this information, they informed me it did not matter I still owed the money, and it was not XXXX XXXX it was XXXX XXXX XXXX, I aked to speak to a supervisor and was diverted to voice mail. Upon calling XXXX they have no record of me owing them anything and since XXXX says what I owed was from XX/XX/XXXX XXXX   informed me I did not start with them until XX/XX/XXXX and gave me some helpful advice to ask XXXX. I called XXXX for the third time and informed them of what I had learned, they said they didn't know anything about that and I still owed them the money. I asked for 3 things, 1. written official validation notice. 2. Proof of XXXX license number. 3. What state of license number and physical address as a PO Box is a red flag. I was refused this information and diverted to a supervisor voice mail. That was my last contact with XXXX and am asking what I should do next. I am willing to pay a debt that I may owe, but I need information on what the debt pertains too, not just that I owe it period with out giving me any information as what the debt is for.

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 2018-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive been a XXXX  XXXX client for over 16 years opening my first credit card account with them in XX/XX/XXXX. In XXXX they reported a 30 day late payment on my credit report which severely damaged my credit score with false information. I had payed the minimum balance but the transaction was pending and not excepted until after the due date which is out of my control and not my fault, even XXXX  XXXX agreed and said that i was not at blame. Even so that they actually refunded me for the late fee i was charged because they said i was actually not late on the payment that it was an error. i attached files showing the late fee being charged in XXXX ( the month thats appearing as 30 days late on my credit report ) and proof of my payment to the company along with the refunded payment they sent me back for there mistake. I told them to also remove the late payment from my credit report but they refused and it has been on there since.

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 2018-02-28 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: NY

Complaint narrative:
Ive been a XXXX  XXXX client for over 16 years opening my first credit card account with them in XX/XX/XXXX. In XXXX they reported a 30 day late payment on my credit report which severely damaged my credit score with false information. I had payed the minimum balance but the transaction was pending and not excepted until after the due date which is out of my control and not my fault, even XXXX  XXXX agreed and said that i was not at blame. Even so that they actually refunded me for the late fee i was charged because they said i was actually not late on the payment that it was an error. i attached files showing the late fee being charged in XXXX ( the month thats appearing as 30 days late on my credit report ) and proof of my payment to the company along with the refunded payment they sent me back for there mistake. I told them to also remove the late payment from my credit report but they refused and it has been on there since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive been a XXXX  XXXX client for over 16 years opening my first credit card account with them in XX/XX/XXXX. In XXXX they reported a 30 day late payment on my credit report which severely damaged my credit score with false information. I had payed the minimum balance but the transaction was pending and not excepted until after the due date which is out of my control and not my fault, even XXXX  XXXX agreed and said that i was not at blame. Even so that they actually refunded me for the late fee i was charged because they said i was actually not late on the payment that it was an error. i attached files showing the late fee being charged in XXXX ( the month thats appearing as 30 days late on my credit report ) and proof of my payment to the company along with the refunded payment they sent me back for there mistake. I told them to also remove the late payment from my credit report but they refused and it has been on there since.

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 2018-02-28 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: KS

Complaint narrative:
See attached complaint to the Office of Comptroller of Currency. I was referred here. 
All address information is on the attached form. A charge was made by XXXX to my CitiCard for a service that I cancelled. See attached picture of my computer dated today showing my XXXX subscription is cancelled. I disputed the charge to CitiBank, they responded by saying XXXX did not cancel my service and I need to show an email from XXXX saying I cancelled. XXXX provided no such email, but they obviously cancelled my service as evident by the screenshot I've attached. Anyway CitiCard refuses to remove the charge from my account unless I can provide an email from XXXX, who will not give me one. XXXX also said they renewed my subscription, while the attached screen shot of my computer proves they did not.

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 2018-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Bloomingdales needs to delete and remove this fraudulent account immediately from my XXXX credit report. I did not authorize this account.

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 2018-02-28 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
This is about the 10th time Ive tried to get my credit report reporting correct and nothing seems to be done. I understand the account can not be removed, although I have PAID THE COLLLECTION OFF IN FULL. however, the account status is still being reporting incorrectly, the account status with XXXX had the account as being derogatory. Let me state the correction, The current account status is not derogatory, I have paid the account in full, so it should indicate CLOSED/PAID. Secondly, the payment chart for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, shill show as " C '', for collection. This account was paid off XXXX XXXX, and became no longer in collection when I made the final payment. This holds true for XXXX. XXXX seems to be the only reporting agency that is reporting correctly. The account in question is XXXX XXXX, for my XXXX XXXX Account ending in XXXX. PEASE CORRECT MY CURRENT ACCOUNT STATUS TO PAID/CLOSE AND UPDATE MY PAYMENT HISTORY FROM XXXX TO NOW, AS CLOSED,. According to section 609 of the fair credit reporting act provided protection of consumers against false and erronous reporting. II was advised my another ageny that I can hire a legal team to get this correct. I am trying my best to get this done without a legal team, so please update my current account status and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
They are discriminatintg based off national origin. The fact of someone working out of country mostly as a XXXX XXXX. The taxes were filed under being an XXXX XXXX and they said that it doesn't prove a full year of work history since I have not resided in the United States for that full year. Even though income that was earned out of country was included in the income tax return they still will not accept income tax return as evidence of working independently for the full year. They only are accepting about 6 months out of the year when the XXXX  was granted. In my country if you earn under a certain amount you are not required to file taxes. Earned under that amount so I did not have to file taxes in my country. I only had to file taxes in the United States. This should be acceptable I did exactly what I was supposed to. They also will not allow me the opportunity to amend my tax return to specifically say what income was earned out of the country. They say that that would be changing the tax return to get approved for a loan. Even though it's not it will be changing a tax return because you noticed something was possibly wrong. They are forcing me to wait until it has been a full two-year. Or they are forcing me to get documentation from a third-party out of country that does not exist. I told them I was working XXXX  and I file my taxes working XXXX and they will not accept that. I also have bank statements and XXXX XXXX to prove some of the payments that I receive. And they will not accept that they want something from an employer and there is no employer if you're working as an XXXX XXXX. They said the documentation has to be from a third-party. I do not feel like this is fair I feel like I'm being discriminated against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: STATE FARM BANK, FSB
State: GA

Complaint narrative:
State Farm Bank needs to delete and remove this fraudulent account from my XXXX credit report immediately. Your company failed to provide proof that my rights have not been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: DISCOVER BANK
State: FL

Complaint narrative:
I got a secured card with Discover in XX/XX/2016 and was told they review to graduate at 7 months. I am at 14 months, have excellent history and have built up my credit. I have been preapproved for a new discover card for 2 months but keep getting strung along about this one graduating. I have called 3x to cancel but keep being asked to give it more time. I even got the " privilege '' of 0 % interest on my own $ as a tactic to not close my account though I have always paid in full. They have done away with the protections and shopping benefits they had when I got the card and the only thing I keep waiting on is the fact that if I close the card I have to wait 2 billing cycles plus 5-7 days yet if it graduates I can have the check in 5-7 days. All I want is my card to graduate. How am I good enough to get a new account yet the one funded with my own money won't graduate?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: MI

Complaint narrative:
Im a co signer for my daughter I co-signed 2 loans.at Discover student loans They transferred the loans to XXXX XXXX. I paid {$6000.00} to Discover on XX/XX/XXXX. No one can find that payment. One lady said she found the {$6000.00} But it was applied to a different co-signer for my daughter. I also paid 3 payments of {$500.00} on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. Now they have found 2 of the {$500.00}. I also had to pay an additional {$4.00}, XXXX. XXXX. When she went to a semester in XXXX. I also filed a formal complaint with XXXX XXXX but Im still have not received the full amount of missing payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28 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: GA

Complaint narrative:
XXXX XXXX XXXX  needs to delete and remove this fraudulent account from my Equifax credit report immediately. Your company failed to provide proof that my rights have not been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I initially started a dispute with Equifax on XX/XX/XXXX and now it is XX/XX/XXXX and they still have not completed the investigation of these fraudulent account. By law, Equifax has 30 day to investigate these account ; however, it has been more than two months. 

The following fraudulent accounts need to be deleted and removed immediately : 1. XXXX Acct # : XXXX 2. XXXX XXXX XXXX  Acct # : XXXX Equifax failed to investigate these accounts within 30 days and by law, they are supposed to remove and delete these fraudulent accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Send several certified letters with tracking numbers asking to verify debt and the credit bureau has completely ignored and have not provided a contract or anything with my signature has not been provided. my last letter i send is attached to this complaint

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 2018-02-28 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 — Investigation took more than 30 days
Company: PNC Bank N.A.
State: MI

Complaint narrative:
paid off a home equity account on XXXX to XXXX XXXX who was a debt collecter for PNC bank for XXXX dollars. total debt was for XXXX. before making final payoff payment, was instructed that the XXXX dollar payment was the amount needed to pay to clear debt in full according to XXXX associate. now trying to refinance existing home to a 15 year mortgage and am running into credit issues with what several mortgage companys are calling a debt settlement. the miss information i received from XXXX is not allowing me to refinance my home. i paid the total of XXXX, but apparently some late charges were taken off. trying to do the right thing. need some help, thankyou ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened sears credit card on XX/XX/XXXX and was given a credit limit of XXXX.On XX/XX/XXXX, sears reduced my limit from XXXX to XXXX without any warning and no good reason.My credit score was under 600 when I applied and I do have a bankruptcy on my credit file currently and when I applied for credit.Because of this reduction in credit, It has hurt my credit score and credit overall.When I received the letter from sears it states under PLEASE NOTE '' the reporting agency played no part in our decision and is unable to supply the specific reasons why we have reduced your credit limit '' .Prior to this letter and in XX/XX/XXXX, I disputed a sears auto charge regarding some work they did on my vehicle that wasn't needed.I was reimbursed by sears for the charge after a long dispute and letters with sears credit.This has hurt my credit score and my credit overall.

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 2018-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I got behind with out mortgage payments due to an unforeseen illness in XXXX. I reached out to my mortgage servicer FAY Servicing LLC in XX/XX/XXXX to seek help for several months with no luck. The lack of response from our mortgage servicer led to hire attorney thinking they would respond to an attorney because they have had shown no interest in talking to us directly. In XX/XX/XXXX our attorney submitted a loss mitigation application i. After 4 months of back and forth with our mortgage servicer FAY Servicing LLC claimed  they did not receive all documents requested and in XX/XX/XXXX they sent us a letter stating our application expired and we would have to start the process all over again. We resubmitted an application for loss mitigation help and only seven days after they claimed they received our complete package they denied us and said we were not eligible for any programs because of lack of income. Throughout the entire second application attempt we were getting what appears to be foreclosure related documents leading me to believe we were being dual tracked during the mitigation process and they had no intention of making an honest attempt at a workout option. I have had to pay my attorney approx 5k to date in fear of the servicer filing a foreclosure action before a mitigation option was presented. This servicer is despicable and had zero intentions of trying to help us.

Company response to consumer: Closed with explanation