vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent in several request to have the FRAUD ALERT on my credit file REMOVED. 
To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. 
I do not wish this fraud alert maintained on my credit file. Please remove it immediately. 
To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. 
Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done.

I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above.

In accordance with the provisions of FACTA, I hereby request that I be sent, at no charge, a copy of my credit report. 

Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs. 

Thank you in advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Perfection Collection
State: GA

Complaint narrative:
Perfection Collection contacted me by mail stating that I did not pay a bill for security system that was installed in an apt . complex. I have never lived there and I have lived in my home for 20 years. the collection company said I had to file fraud charges in order for them to take if off my credit. I went down to the XXXX fraud division and filled out paper work. The Investigator sent me a letter with the information so that I could send to the perfection collection. The collection company XXXX said that was not good enough for them and I also spoke with the Supervisor.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
IQ DATA INTERNATIONAL has a negative collection item on my credit report reporting since XX/XX/2018. I have disputed this item to have it verified and validated. I received notice that the debt was verified from the credit bureau but did not get anything showing how it was verified/validated from the company or the credit bureau.I requested via certified mail to have debt verified according to Texas law or be removed and the company did not send anything nor remove it.I have requested over 3 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA
State: AR

Complaint narrative:
I have tried several times to have them to send me documents showing that i signed for a loan. The loan i did get I paid it off through XXXX XXXX years ago. Under 5,000 I paid over 12,000 back. Now EAS are saying that I owe them for a loan that I did not receive. Never attended a college again. My credit report showed it as being paid off. AES stated if was paid in full but now it has started all over again saying that i owe them. AES even put on my credit report so im wondering what is really going on. Really stressing my out about this ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK
State: IL

Complaint narrative:
On XX/XX/2019, I tried to open a new savings account with Vio Bank ( additional name or website for MidFirst Bank ). After completing the steps for the application and providing all my personal information, a page opened telling me that they were unable to process my application and provided a number for me to call ( XXXX ). I called the number and spoke with a representative where I provided my name, the last four digits of my social security, and my date of birth. I inquired about why my application could not be processed and I was told that they would not provide me any explanation. I called again and was once more told that they would not provide me with any explanation for why my application could not be processed. I asked to speak with someone else about the matter and they refused. Left with no other option, I hung up.

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 2019-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC
State: GA

Complaint narrative:
Please note the application for credit was applied for by the salesman. The salesman explains the terms as you will have to pay an initial amount upfront and then you will have five additional payments which will be auto drafted. He asks you a series of personal questions and puts the information in the system and then tells you the amount you have been approved for. I did not receive any type of paperwork with actual terms listed before the transaction. All I had to stand on was the words of the salesman. After the transaction you are given your receipt. 

Later after calling Tempoe , LLC is when I found out the terms were on the receipt. It still does not rectify the fact the actual terms are not received until after the transaction. **Note : the terms explained by the salesman were in the top of the receipt but in smaller print on the receipt were the terms regarding a lease. ** I argued I did not owe any additional payments and became so frustrated I told the representative, you do not have permission to withdraw any additional payments from my account. I stated consider this contract null and void. I also told her I would return the merchandise. 

When I tried to return the merchandise to XXXX they stated it was not theirs and I could not leave it with them. Therefore, I called Tempoe , LLC and asked them to come get their merchandise. I did not receive any additional communications from them but a few days ago I was contacted by a debt collector ( XXXX XXXX XXXX ). 

**The organization acted deceptively, with misleading conduct and false representations. ** Lead to believe payments made are going to the purchase of the item. Instead you find out after the fact you are leasing rather than purchasing. This violates the truth in lending act ( TILA ) know before you owe ( KBYO ). The company has become known for its inconsistent and predatory lending practices. 

Requires disclosure in the cost of credit. Must receive in writing the finance charge and APR. Would not allow return of the property. Creates a cycle of continuous debt and refinancing which is illegal in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXXKY XXXX Fay Servicing XXXX. XXXX XXXX XXXX Texas XXXX Account number XXXX I have been trying unsuccessfully to acquire a mortgage statement from Fay Servicing for activity on my account. On XX/XX/XXXX I was told by customer service that the statement generator was turned off on my account on XX/XX/XXXX, and that statements do not exist. This is a direct violation of the Periodic Statement Rule set forth by the U.S. government protecting consumers. I was also told on the same date, unbeknownst to me that I have an APR ( balloon ) payment that came due on XX/XX/XXXX. I have been making the payment every month for over a year, as if there were no problems with my account, and I was never notified of any balloon payment, its due date, or action needed. 
It is clear the intentions of Fay Servicing in this matter. They intentionally turned off the statement generator 2 months before the maturity of the balloon payment as to not allow me to know of any action needed. Without knowledge of the balloon payment due, it would look like I didnt pay the mortgage and allow Fay Servicing to Foreclose on my property without any knowledge on my part. Without knowledge I can not foresee where the more than one years of payments have been assigned. 
This is clearly deceitful and underhanded. As I have made my payments regular, the action of Fay servicing can be clearly perceived as theft by deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: NY

Complaint narrative:
I have sent in several request to have the FRAUD ALERT on my credit file REMOVED. 
To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. 
I do not wish this fraud alert maintained on my credit file. Please remove it immediately. 
To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. 
Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done. 

I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above. 

In accordance with the provisions of FACTA, I hereby request that I be sent, at no charge, a copy of my credit report. 

Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs. 

Thank you in advance for your assistance in 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 non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please see attachments. On XX/XX/2019, I sent certified letters to the credit bureaus to update my personal information. This is the month of XX/XX/2019 and they have been reporting inaccurate information on my credit profile, such as my name, dob, address, and employment. 

On XX/XX/2019, I sent the three credit bureaus certified dispute letters regarding unauthorized credit inquiries and requested a complete and accurate verification of the unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please see attachments. On XX/XX/2019, I sent certified letters to the credit bureaus to update my personal information. This is the month of XX/XX/2019 and they have been reporting inaccurate information on my credit profile, such as my name, dob, address, and employment. 

On XX/XX/2019, I sent the three credit bureaus certified dispute letters regarding unauthorized credit inquiries and requested a complete and accurate verification of the unauthorized inquiries.

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 2019-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: CA

Complaint narrative:
signed up for promotion, deposited amount required within time limit through depositing checks, and they didn't explain to me I could ACH or how to even do that, when I called in multiple times for the promotion credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
On XX/XX/2018, my first payment on my Federal Perkin 's Loan was due. I had received no notifications via mail, email, or phone call from the creditor, XXXX University, to alert me that my payment was due. I missed payments for XXXX, XXXX, XXXX, and XXXX of 2018. I found out through my credit card company my credit score had decreased due to missed payments in XX/XX/2018. Upon further investigation, I found out from XXXX University 's bursar office that notices were being sent to an old address in XXXX, DE instead of my current address. As a student of XXXX University for 7 years, I had to update my address across all my accounts yearly. Therefore, I am certain that my address was up to date and that notices should have been sent to the updated address. If there was a mistake in addresses, other notices should have been sent to me in the forms of emails or phone calls in my opinion. At the time, I was content to pay the late fees and continue with my payment plan. Since then, I have had a spotless record of on-time payments. However, I now wish to refinance a car loan, but can not obtain decent offers due to my credit score. I reached out to XXXX University 's Credit and Collections department to discuss the situation and to have the late payments removed. After accepting financial responsibility for the missed payments and expressing my belief that my current credit score does not represent my creditworthiness and commitment to repaying my debts, I was told there was nothing they could do. Due to the fact that a late payment can affect your credit score for 7 years, I feel this is unfair. With that being said, I also feel the creditor is acting unreasonably as I was not notified about the loan payments being due, even though the creditor had multiple options to reach me. I have attached bank statements for the months of XXXX, XXXX, XXXX, and XXXX to provide evidence that I was not in a financial hardship and could pay the payment due. Please refer to the beginning and ending monthly balances. There is no other reason I was late on the payment except for not being notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX I entered into a contract with XXXX  XXXX out of XXXX, SC I immediately started having problems with them and I appealed to both attorney generals of s.c. and georgia Neither of whom could help me, then they started changing my mortgage around to mortgage companies they owned specifically XXXX  XXXX and XXXX XXXX. I entered into a loss mitigation contract with them last winter and they are now threatening to start foreclosure although I have kept up the payments. They, in XXXX of XXXX made a notation on my credit report that they had signed the property over to me then after a complaint to the credit bureau they took it of my credit repoort although it was given to me in a bankruptcy, withut a deed to file it what can I do? I also have heard that they are planning on selling this property and several others to XXXX XXXX Isn't this a violation of the bankruptcy regulations and how could the credit bureau tell me they are talking to XXXX when XXXX XXXX put the notation on my credit report, which has now been removed and and I want to know WHY??? HOW?? 
Haave I no protection here? Now they are threatening eviction if I don't pay more by XXXX and we just heard farom XXXX today for the first time ... .They have flimsy contracts and ow they are threatening to cancel my loss mitigation with no reason and startbeviction check out my credit report I think it was XXXX in early XXXX, though it might have ben XXXX.. I have complained to BANKING AND FINANCE AND SENT THEM A BIG PACKAGE with pictures and everything

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX I entered into a contract with XXXX  XXXX out of XXXX, SC I immediately started having problems with them and I appealed to both attorney generals of s.c. and georgia Neither of whom could help me, then they started changing my mortgage around to mortgage companies they owned specifically XXXX XXXX and XXXX XXXX. I entered into a loss mitigation contract with them last winter and they are now threatening to start foreclosure although I have kept up the payments. They, in XXXX of XXXX made a notation on my credit report that they had signed the property over to me then after a complaint to the credit bureau they took it of my credit repoort although it was given to me in a bankruptcy, withut a deed to file it what can I do? I also have heard that they are planning on selling this property and several others to XXXX XXXX Isn't this a violation of the bankruptcy regulations and how could the credit bureau tell me they are talking to XXXX when XXXX XXXX put the notation on my credit report, which has now been removed and and I want to know WHY??? HOW?? 
Haave I no protection here? Now they are threatening eviction if I don't pay more by XXXX and we just heard farom XXXX today for the first time ... .They have flimsy contracts and ow they are threatening to cancel my loss mitigation with no reason and startbeviction check out my credit report I think it was Experian in early XXXX, though it might have ben XXXX.. I have complained to BANKING AND FINANCE AND SENT THEM A BIG PACKAGE with pictures and everything

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 2019-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I called and talked to them they couldnt find me on any account. 
And this was some charge from ky I explained I live in nc and never have be in any hospital in Ky All they said was my insurance paid a bill there so it belongs to me. 
I explained it again I never been to a hospital or anything in Ky Ask for supervisor and they hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Direct Recovery Services, LLC
State: KS

Complaint narrative:
On XX/XX/XXXX, I received a pre-recorded phone call on my cellular v-mail for my ex-husband. The company stated they represented Direct Recovery Services. I have saved the message for my ex-husband in case he needs to hire an attorney. 

The call came from XXXX. It stated he has until XXXX on Friday to call back to make arrangements or they will proceed with further action. They even left his account number on my v-mail and referred to their website for payment, www.directrecoveryservices.com. 

XXXX and I have been divorced for 19 years. This company previously called my home phone number about two months ago. At the time I told them we were no longer married, had not been since XX/XX/XXXX, and to cease placing calls to my phone numbers. I also provided them with XXXX 's cell phone number which works and who he works for if they want to place a call there. They have absolutely no reason to continue to call any of my numbers to reach him. Furthermore, I worked in collections and was a XXXX XXXX earlier in my career ( XX/XX/XXXXs ), so I am fully aware of collection laws, such as the Fair Debt Collection Act. What this company is doing is nothing more than harassment. I have asked them to stop calling my numbers, they know we are no longer married, yet they continue to call anyhow. I am assuming they believe humiliating XXXX will get him to pay his debts. It won't. There is a right way and a wrong way to go about collecting on a debt. This company completely crossed the line and needs to be held accountable. 

I called the number back and a person named XXXX XXXX answered. He claimed to be an account manager. When I told him about the repeated phone calls, and before I had the chance to give him the account number or my ex-husband 's name, he told me he removed my name and phone number from the database and hung up on me. 

I am also filing reports also with the KS state attorney 's general and the XXXX. I have alerted XXXX to the problem and he will be filing as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
Gurstel Law Firm sent summons and specifically requested I send response to them. I did so within the 20 days. Only to see that they went and got default judgement, but a couple of days later after I had called someone at the firm, I noticed they had filed a request to vacate judgement. Even though it was vacated, I feel like it was an intimidation tactic. That record, even though vacated is available on the internet.I 've tried calling several times but can't seem to get anyone.

Company response to consumer: Closed with explanation