vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC
State: VA

Complaint narrative:
I was contacted on XXXX XXXX, 2017 at work by someone named XXXX XXXX who said he was with D & A Services, a debt collection agency. He said I owed a debt that actually was paid many years ago. He said he sent me information in the past but I did n't respond to it. I never received any information from this company in any form. I do not owe any debt to the company he was referring to. He was very persistent. After looking up information on this company, I 'm afraid they will use my information for some scamming or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
In XXXX XXXX, I started a deed in-lieu of foreclosure process with my original mortgage company, XXXX mortgage, due to being XXXX XXXX military and PCS'ing. As of XXXX XXXX, I was told the process was complete and just waiting closing. In XXXX XXXX, I discovered ( due to a delinquent alert on my credit report ) that my loan had been sold to Loan Care, LLC., and that I was now behind on payments. I promptly contacted XXXX XXXX who proceeded to tell me I would have to start all the paperwork over again. I completed the paperwork and sent the signed and notarized documents back to them in the XXXX XXXX timeframe. On XXXX XXXX, XXXX, it was reported to the VA that the deed in-lieu of was in the closing process. Since then, I have not received any closing paperwork or any finalization, and multiple attempts to contact the company have resulted in a run-around of being told the process is complete and they are unsure why it is still being reported to the credit bureau. On XXXX XXXX, XXXX the VA was able to see notes updated in the system saying the loan was closed. From there, my VA rep and I both attempted to contact the company for further information. The VA rep still has not received any response to her emails, and I was told on XXXX XXXX, XXXX that a letter had been sent to the credit bureaus to correct all data. On XXXX XXXX, XXXX, I contacted the mortgage company again to find out why no updates have occurred yet. I was transferred to a supervisor who told me that she could not see any of my information or notes in the system because " it was the wrong department '', and that she would email the POC and his supervisor with my information to return my call. I have left messages with the POC several times in the past and have never received a call back from the company. I still have not received any paperwork showing that the process has been finalized, and the credit bureaus still have not been updated to remove the delinquencies to fix my credit score. I also need the VA to receive all the final paperwork as well to restore my VA benefits. This process has been ongoing for a year and, due to my loan being sold and being unable to contact the right POC, still has not been completed or resolved.

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 2017-09-29 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: VA

Complaint narrative:
DEAR CFPB, Equifax 's huge data breach exposed our credit account and resulted in our information being exposed to potential theft. While Equifax has offered its " Trusted ID '' account protection services, it has made signing up for this " free service '' virtually impossible. There is a limited time frame within which customers can sign up for this protection ( why is there a wait at all, or a limit on how late we can sign up, when we know our information is exposed? ). When I finally received the alert that I was permitted to sign up for the Trusted ID service, the service signup did not work online. A one-line apology on the website and XXXX number provided to resolve this problem also has also been a dead-end : no one answers or even gives an estimate of wait time. Using other phone numbers on the Equifax website also do n't allow us to talk to a person. There seems to be no way to communicate with Equifax about this. 

This is a joke. Is Equifax unaccountable for this crisis? We can not be assured that there is any protection on our account even though we have confirmation from Equifax that our information is at risk. Our personal information is totally out of our own control. This is OUR personal data. How did this country get to a point where a private company can hold our personal information hostage, and we do not have the right to access and protect this information WHENEVER WE WANT? Being allowed to access only ONE free credit report per year from each of the three credit reporting companies was already unacceptable to many. Now, the situation with Equifax is untenable. With its sub-par communications to customers affected by this data breach and its failure to provide immediate account protections, Equifax shows outrageous incompetence, irresponsibility, and insensitivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery has failed to properly update my credit reports to show that they have been paid. 


I request that Portfolio Recovery update there records with the three major credits bureaus and send me a copy of my XXXX balance letter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: MI

Complaint narrative:
I experienced a financial hardship several years ago. My home loan was originally with XXXX XXXX XXXX ( XXXX ). XXXX transferred my first and second mortgage loans to XXXX. XXXX and I agreed to a settlement for my second home loan. I had to pay {$14000.00} within 12 months and they would write the rest of the loan off and send me a letter for the credit bureaus to fix my credit. XXXX kept their word. However, Experian and XXXX refuse to adhere to the letter. I have been mailing the same document to them for a year and they still refuse to remove the negativity from my credit report. How should I proceed?

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 2017-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
This is a REOPEN - XXXX XXXX XXXXg has placed this account right back on my credit report as the entire {$1600.00} as still owed as of XX/XX/XXXX. I am requested again that XXXX XXXX update the records and also- delete their tradelines from my credit reports. The collection and reporting practices are illegal. 

My Complaint is against XXXX XXXX XXXX. XXXX XXXX is failing to update the 3 major credit bureaus : XXXX, XXXX and XXXX that their account # XXXX has been paid in settlement for {$1300.00}. The are failing to update a XXXX balance and advising the credit bureaus that I still owe them the {$1600.00} for account # XXXX The account was initially with XXXX XXXX Credit card Services, who then sold the debt to XXXX XXXX XXXX, who then hired XXXX, XXXX, XXXX XXXX XXXX, XXXX to sue me in small claims court. The case has been settled outside of court for {$1300.00} and paid on XX/XX/XXXX. XXXX XXXX XXXX attorney office XXXX, XXXX and XXXX cashed the {$1300.00} check. I am requesting that XXXX XXXX update my credit reports properly to reflect a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax was hacked and inappropriately withheld the knowledge of this from the public for an unacceptable amount of time. The executives reportedly made stock changes prior to the release of info and now the CEO has exited and likely with a golden parachute that allows him to not lose any money. 

I have no choice but to allow this agency to have my most protected information. It was their duty to ensure it 's safety. Now I can get a free credit freeze from them but need to pay every time I want to release it if I am utilizing credit. I 'm a young adult who plans to utilize credit and should be able to without a {$10.00} fee let  alone any fee to release this " free '' freeze. The current model means they have actually generated business for their company. Sickening. More upsetting is that my credit is n't even the only area that may be compromised now. People may have my identity to make fraudulent insurance claims, etc. Where does it stop??? XXXX has a great interview about the scope of this issue and it should concern anyone who has the ability to hold this company accountable. Those in charge have a responsibility to the victims of this data breach and to change the industry going forward. 

This company has to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX XXXX, 2017, my husband and I each applied (separate accounts) for a Wells Fargo XXXX XXXX XXXX Card at a Wells Fargo Branch located in XXXX, North Carolina.We each went through the application process and each reported $XXXX of monthly income to the banker XXXX XXXX. At the end of the application process I asked the banker what credit limit we would have on the accounts.  The banker told me that I (female) had an $XXXX limit while my husband received a $XXXX credit limit. I asked the banker why my limit was lower and he could not give me an answer.  Said that's what the system gave us.  I have reported the issue to Wells Fargo Customer Service and to this date they have not told me why my credit was issued at a lower rate.  The banker did try and get the limit raised, I do not know the status of that request.  I have now received information from the bank (Wells Fargo Consumer Credit Solutions) with the last four digits of the credit card numbers issued to us and our credit scores.  My credit score was XXXX while my husbands score was XXXX.  So, why did he receive a higher credit limit?  We just received the credit cards.  I have a credit limit stated at $XXXX and no cash advance amount indicated.  My husband has a credit limit of $XXXX and was given a cash advance limit of $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 non-monetary relief
Consumer complaint received 2017-09-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I submitted a request to remove an error on my credit report with equifax nearly XXXX months ago now. Since then they have ignored me 100 % and refuse any contact. 

After submitting a claim to the CFPB, equifax finally replied with a blatant lie stating that in my request for them to correct my credit score, I never listed what it was I was disputing. 


That 's 100 % impossible with Equifax 's system, you HAVE TO LIST YOUR DISPUTE in order to submit the dispute. I did list what item I was disputing, it was literally the only way to submit the claim, you can not submit XXXX without listing your disputed item. So how on earth can Equifax claim in any sincerity that I never submitted the disputed item on dispute form that requires you to submit that item to continue? 


Equifax are lying and still to this date refuse to remove an error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: SC

Complaint narrative:
I sent an investigation request to the credit bureaus on XXXX XXXX. Its been almost 60 days, and I have yet to receive my results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Went on Equifax website XXXX/XXXX/XXXX to enroll for free 1 year TrustedID XXXX protection offered by the company. Received acknowledgement that enrollment date was XXXX/XXXX/XXXX. 

Enrolled on XXXX/XXXX/XXXX and waited for acknowledgement email to activate product. Did not receive any notification so contacted Equifax by phone on XXXX/XXXX/XXXX and was told that due to the number of people involved, it was taking longer than anticipated and to wait a bit longer. 

Received an activation email on XXXX have tried to activate the product for past 3 days but each time I received a message that the system was unavailable. The initial attempt on XXXX/XXXX/XXXX asked for my birth date which I provided and from that point on I received messages that the system was unavailable. 

Contacted Equifax by phone on XXXX/XXXX/XXXX, explained the problem. I initially was told that the system was experiencing problems due to heavy use and to keep trying. Then I spoke with XXXX XXXX who said I 'd have to re-enroll because my name was not in the system. I questioned that since I received an enrollment date and an activation email. Both had to reference my personal information on the system in order to do that. 

I then spoke to XXXX XXXX who said that I should try again tonight. I told her I tried repeatedly at various times of day and night for the past 3 days. She also said my name could n't be found in the system but that the system was having problems. I than asked her what the problem was, is it a system problem or is my information not in the system because I 've been told both. She could not provide an answer. Her only suggestion was to try again tonight. I told her that was unacceptable and I 'd report the problem to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My loan was put into deferrment without my permission or knowledge. In the process of doing this they increased my interest rate. When I called and told them to change everything back to the way it was, my payment amounts and terms are different. This is unacceptable and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent an investigation request to the credit bureaus on XXXX XXXX. Its been almost 60 days, and I have yet to receive my results.

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 2017-09-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent an investigation request to the credit bureaus on XXXX XXXX. Its been almost 60 days, and I have yet to receive my results.

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 2017-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: AZ

Complaint narrative:
I spoke with this company MULTIPLE times where I was dealing with XXXX Directly. XXXX has informed me multiple times that we are handling this together. And this company keeps calling me and telling me I need to pay them. And they give all information over the phone, they even told my sister my social security number over the phone. REALLY!?!? That is not professional, what if she didnt even know me. They have NO BUSINESS putting this on my credit report as I am not doing business with them NOR do I owe them ANY MONEY!!!!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I applied for a XXXX XXXX with XXXX. I called and fax the company a letter requesting that they do not process my payment which was due on XXXX XXXX. The payment was not processed on this date but instead they processed it today. I am having extreme financial hardship and that I am filing bankruptcy, this was explained to them on my letter I faxed over. When I called them to confirm receipt of my letter I was told they did n't receive it but I had a confirmation on my side ( i have attached proof of confirmation ) stating the fax went through. In my letter I expressed they were no longer authorized to debit my account and cease collection attempts. They failed to cooperate and now I am - {$270.00} over drawn.

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 2017-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX. I use Citi credit card. In XXXX, XXXX, XXXX, all my statements are correct. In XXXX XXXX, the Statement said I have re-owned the company {$380.00}. I have called the credit card company, and they said they have re-sent that amount of money twice. I said I only got the money which should belong to my CitiBank debit card, which is {$380.00}. The Citi credit card company said I should go to the CitiBank directly to check it out. I have gone to CitiBank for three times, and they said the money which I used to pay the credit card is not responsible to the CitiBank, and they said I should talk to the credit card company instead. The Citi credit card company said it is not their responsibility even if I have called them for 7-8 times. 
Right now I am confused, and nothing I could do but ask the FDIC to see whether you could help me.

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 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I ordered a credit reporting product from EXPERIAN called credit check total. There was a {$1.00} fee which I accepted. Then AFTER signing up they informed me that after 7 days I would be billed monthly beginning on XXXX/XXXX/XXXX at {$29.00}. On the account itself they provided no convenient means of cancellation. They require you to call a number. The problem is that each time when I called yesterday I was told I would have to wait AT LEAST 1.5 hours to 1.75 hours to speak with a person about cancellation. I do n't have 1.5 at least 1.5 hours to sit around waiting to ask them to not renew my membership. So, yesterday I sent them an e-mail to XXXXXXXXXXXX with my membership information and requested that they cancel my membership immediately. Instead, this morning they charged me {$29.00}. I then attempted to call them to dispute the matter. The system said I would have to wait AT LEAST 30 mins. I thought at least I can make breakfast and do some chores while I wait. I waited for over 1.5 hours before hanging up! The goal of the whole practice of making you call seems to be to allow them to renew your subscription indefinitely because at this point I 'm not sure anyone actually answers their " customer care '' line.

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 2017-09-29 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: FL

Complaint narrative:
We have spent over 5 hours on the phone with Equifax trying to get signed up for their Trusted ID because the  verification link does not work ( we have tried for 8 days all hours ). When you call after over 50 minutes on hold twice they have hung up on us because they do not know what to do. Same phone hang up when trying to get a freeze put on the account at another number Equifax gave us for that " service ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Synchrony bank has charged me for a Card Security fee without my authorization and told me they would cease this service and give me a refund within 1 week. I have yet to hear back from the company and yet to hear about anything regarding a refund to my account. The past year I have been receiving a XXXX dollar Card Security Fee without my authorization.

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