vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-24 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: TX

Complaint narrative:
Multiple times I have attempted to have erroneous names and addresses remeved from my credit report and Experian refuces to comply. I have sent copies of my Driver 's license, Social Security number, passport, current electric bill, and credit card statement. Their " investigation '' continues to yield that the information is correct when it is 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 2017-05-24 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:
Multiple times I have attempted to have erroneous names and addresses remeved from my credit report and   XXXX   refuces to comply. I have sent copies of my Driver 's license, Social Security number, passport, current electric bill, and credit card statement. Their " investigation '' continues to yield that the information is correct when it is 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 2017-05-24 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: TX

Complaint narrative:
Multiple times I have attempted to have erroneous names and addresses remeved from my credit report and  XXXX  refuces to comply. I have sent copies of my Driver 's license, Social Security number, passport, current electric bill, and credit card statement. Their " investigation '' continues to yield that the information is correct when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have contac ted Southwest Credit S ystems on numerous occasions via certified letter and asked that they provide me with a contract of the debt they claim I owe, which bears my signature. Each time they respond with a bill and nothing more. I have repeatedly asked for this information to be provided to me and if they could not provide the information requested, that they remove the debt from all  XXXX  credit bureaus. They have yet to comply with my request to provide me with a contract or remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: NC

Complaint narrative:
XXXX  {$10000.00}  Santander Auto Loan sa ys I owe Dispute after dispute after dispute to no avail ...   Contacted the Better Business Bureau and reported incident Reported  to The Attorney Generals Office and told entire story Called Santander  XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Loan number :  XXXX  Mortgage company :  Specialized Loan Service ( SLS ) B ought this property in  XXXX   2014  at {>= $1,000,000} ( with PMI ). 15 year fixed and I made some additional payment ( now, the outstanding principal is {$340000.00 } ( lo w to value ratio is below 78 % ). I sent every required doc to SLS and asked them to cancel PMI. They did another round  appraiser ( Broker Price Option, BPO ) and rejected my application. The reason is that they gave an estimated value of {$420000.00}. What they did is ridiculous : they compared my home with recent sal es with much smaller size and lower selling price. If they compared with similar model, no hom e ( same model as mine ) was sold below {$460000.00}. It is simply unfair comparison. Any one has basic  statistic training knows the the importance of picking right sample.     Plus,  XXXX  estimate for my home is around {$530000.00}. Even thou gh it may overestimates, I can not believe they came with this 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 2017-05-24 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: NJ

Complaint narrative:
Experian will not allow your to file a dispute reference am error on your report.   ive tried numerous time but I continue to get a message that they are unable to help and to contact them when you call them you are placed on hold and then dis-connected

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 2017-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had joint checking account with my mother, which we closed in person at the branch early   XX/XX/XXXX  . Currently we have received bill from the bank  (    XX/XX/XXXX -  a year later!!! ) with  XXXX  balance charge which was triggered in   XX/XX/XXXX   by charging our assumingly closed account {$5.00} dormant fee and creating fake interest of {$1.00}. By phoning in this complaint in, I was told they can not waive this dormant fee charge, because there is balance on this line of credit attached to this checking account. They created this mess on their end by not closing this account, despite my and my moms request and created these charges for themselves.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Roost Lending, Inc.
State: FL

Complaint narrative:
I worked with a member of his team twice ( XXXX XXXX ) who reached out to me after failing the first try. XXXX was explained that if he wasnt definite about closing on a home that my wife and I were n't interested in moving forward and going through the hassle.After XXXX mentioned that the first time was a mistake and corrections were made, we agreed to give him a chance to correct the problem.After time wasted, money wasted on appraisel and 2 inspections and etc. We find it to be quite obvious that this guy is a rookie, unprofessional and will need additional training. After contacting XXXX to inform him of the horrible experience he insisted on defending his team member instead of handling the concern. We will be taking legal actions due to the circumstances. ROOST LENDING, INC. Miscalculating loan amount also had us at a high rate..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I am currently in the process of refinancing my mortgage with  XXXX   XXXX . My goal it to use this opportunity to pay-off a second mortgage on this property from Ditech. Since,   XXXX   XXXX   XXXX   I have requested that  Ditech  provide a Copy of my Note that I can present to  XXXX   XXXX  as part of the process. Ditech promised to have this to me within  3-5  days. I have called them and emailed them multiple times to follow up on this request and I still do not have this document as of   XXXX   XXXX   XXXX       The original loan was back in  XXXX  from  XXXX  and has transferred multiple times over the years  (   Greentree, Ditech ).      If  Ditech  can not produce the Note, do I legally owe them the balance if they do not have a copy of the agreement?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted t he Better Business Bureau  and reported incident Reported to  The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.

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 2017-05-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted t he Better Business Bureau a nd reported incident Reported t o The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.

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 2017-05-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted th e Better Business Bureau an d reported incident Reported to  The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: SC

Complaint narrative:
daily calls are rec'vd by  XXXX  ( ERC Collection company ) - they do not speak, they do not identify themselves and they do not hang up I have called them repeatedly to have this stop - but they claim no knowledge of phone calls - this is repeated harassment - my most recent phone call to them was on  XXXX   XXXX   2017  at  XXXX  - I spoke to  XXXX   XXXX  - who  tried  to confirm personal information - which I refused, other than my name and address

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Cable service has sent convergent XXXX # XXXX a report of past due bill {$100.00} and have resubmitted back to the credit agencies on XXX 2017. XXXX XXXX has either paid that bill or it is n't her 's and would like to dispute the charge and remove it from her credit reports..

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 2017-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have citi bank thank you premier credit card. Aft er one year charged me annual fee of {$95.00}. I am asking them to waive it and downgrade the card  so that I do not have to pay annual fee. They are saying it has to be within 30 days. I have not used card in the last 30 days and there is not other charge after this annual fee. This is fraud and wrongful way to extort money. It is very difficult to read and remember all fine print which is provided with a card. Would request your intervention. Also the membership fee was charged on  XXXX   XXXX  and today is  XXXX   XXXX  so it is not even 30 days.     Charge date :  XXXX   XXXX  Amount :  XXXX  Charge type : MEMBERSHIP FEE   XXXX   XXXX  -  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have been back and forth with this compan y Midland Funding for  an original amount of  XXXX  in which I was forced to make payment arrangements in fear of having a judgement against me. I have attempted to send a dispute letter in which i will attach and resend out to the company again. I have signed no such contract with this company over the alleged debt, nor do they possess anything with my signature. At this point I am asking to be sent a valid copy of any contract that bears my signature to confirm that I owe them anything because as i stated i have no knowledge of this company besides the summons that i received from them. The only contact that I did receive was from a summons that was sitting on my door in which my daughter had given to me.They never responded to my initial dispute letter that was sent out but this one will be sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
Hunter Warfield is on my credit report, the date it states it was opened was during the time I was in   XXXX   so I couldnt have gotten a apartment at the time. I sent them a pay to delete offer because that seems to be the only way to get it off my credit without having to pay them the full {$2000.00} something I do not owe. And now they are reporting on my credit that my payments are late after 4 years! Hunter Warfield is hurting my credit and is stopping me from moving on in my life.
I have put a dispute on BBB along with lots of other consumers who is having this issue with Hunter Warfield.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been dealing with Navient for the past year. The main issue I have is they call relentlessly even after speaking to a representative and stating I am in the process of a new job where I will be able to start payments. They still continue to harass me. It is one thing to c all once a week if there is debt to collect but I find it completely unacceptable and an abuse of technology to send automated systems to call a personal or work phone 5 times  a day or more. Then to make matters worse it will call any co-signer and harass them similarly.     I would n't be as annoyed and outraged if I had n't already spoken to a representative from Navient several times about becoming employed with a new  XXXX  job and that I will be paying the loans in the next month that I am behind on. Also, I am an   XXXX   XXXX   and work in   XXXX   XXXX   so I understand the abuse they are using by putting personal identifiable information in these perpetual call cycles. Their needs to be regulation around this just as there is with most credit/finanicial and federal law.     The government can be held accountable insofar that yes these are private loans I accrued through Navient. However, how is anybody supposed to pay these loans back when if you do have a " decent '' income and are luckily employed after graduating college when so many taxes get taken out of mediocre salaries. If we actually want to have these loans paid out to private lenders and the government we need to get real with the end-users i.e. the   XXXX   XXXX   millennials who are going to be in debt the rest of their lives. Education level needs to be standardized in pay rate and allow you to be rated into a higher salary no matter what so you can pay back loans. Otherwise the government needs to take less tax from people who owe education loans and put the money they tax out directly on their loans they owe. It 's not difficult but it will be the downfall of the economy if we do not take the education loan debt seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Empowerment Ventures, LLC
State: PA

Complaint narrative:
My name is  XXXX   XXXX  and I filed my tax return and got a  Rush Card  so I would n't have to disclose my banking information which now seems like it may have been a terrible idea. On  XXXX   XXXX  the amount of {$2900.00} was uploaded onto my  XXXX  rush card I was told that it would take longer for the money to be processed so I was n't even aware of the money on the card until  XXXX   XXXX . The next day I was then locked out of my rush card and i stayed locked out for a few days after that. It would not work and whom ever was responsible put a pass code on my account they also changed the address to an unknown address in Delaware, they then changed the email on the account to an unknown email. I regained access to the account they then provided the false address to me, I then changed the address back to my correct address, well at least I thought I did. At that time I was told by a representative that my dispute process had then started the date was  XXXX   XXXX  and once I filled out the form and sent it back I would be provided a provisional credit to my account in the amount of {$2500.00}.  XXXX  weeks later i still was not provided the credit to my account. I also made a request to receive the dispute form by email ( which they still had the wrong email and address ) because they said it would take  XXXX  days by mail, so I again made another request to change the email and address to my correct information for the second time. I faxed the form back  XXXX   XXXX  around   XXXX   XXXX    then called to confirm they received it, which they said they did. In between I called to check on the credit which I was told I would be receiving on  XXXX   XXXX  from  XXXX   XXXX   XXXX , then the  XXXX  as well. I was then told I would not be receiving the provisional credit and when i asked why they did n't have an answer for me they only said I would have to wait until they reached the resolution on the case which would take  XXXX  days so I was told to just wait. Frustrated and upset I waited again for another few weeks on  XXXX   XXXX    XXXX   XXXX   I called to check the status of the case i was then told there was no error found and that there was no  one  higher for me to take to and there was once again no explanation. i then contacted CFPB. A police report was filed the day the dispute was filed.

Company response to consumer: Closed with explanation