vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc.
State: NY

Complaint narrative:
I accepted a personal loan from sofi at least a year ago. Sometime in the last few months they changed their website to force users to accept their new arbitration agreement. If users do not accept the new agreement, they are blocked from access their account management. I contacted sofi about this and they said the only option is to accept the terms on the website, and then send in a written rejection notice, by mail. Additionally, they also previously incorrectly stated " However, if the customer does not wish to acknowledge consent upon log in, they may uncheck the consent box and still access their account. SoFis promissory note and online consent provides the Right to Reject clause for the Arbitration Agreement. SoFi recommends the consumer follow the instructions if they would like to exercise their right to reject. '' This functionality does not exist on the site.

While they have provided one method to reject the terms, and have been responsive in communication, they have not provided a suitable approach when all account administration is handled online, especially one that forces users into an agreement even temporarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX XXXX, XXXX has sent me a communication to collect a debt without disclosing that they are a debt collection company or that the communication was a means of attempt to collect a debt. 

Their business name itself is deceptive in nature, and the communication is crafted in a manner that addresses urgency, whilst leaving the nature of the communication unknown. I almost thought the communication may have been a Job offer until the document asked me for the last 4 digits of my SSN. 

This is their email, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear XXXX We wanted to get you this letter as quickly as possible and having your email of XXXX on file we thought you would appreciate receiving it in an email. If you do not want to receive communications from us via email please use the unsubscribe link below. 

In an effort to maintain your security, we have encrypted your attached eNotice.

To open your encrypted eNotice : 1. Double click on the secure PDF attachment or click this link.

2. When prompted, enter the last 4 digits of your social security number for your password.

* Please note the above attachment link will expire in 90 days of receiving this message.

If you are not the intended recipient, please unsubscribe by clicking on the link at the bottom of this communication.

If you have any questions about your secured eNotice or need assistance, please contact us.

Sincerely, 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 explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX, XXXX I submitted correspondence to Capital One because of suspected fraudulent activity by the bank for accounts in my name ending in XXXX, XXXX, and XXXX. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Capital One on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: NY

Complaint narrative:
I contacted Transunion on multiple occasions regarding the incorrect reporting of a debt owed to XXXX XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX XXXX the debt submitted to the credit reporting agencies. And Transunion lowered my XXXX XXXX by almost XXXX points for this incorrect reporting of a debt I do not owe, with a negative impact on my job search. Transunion also has included a XXXX tax lien on my credit report for the state of Maryland. And even though I have not worked in Maryland since XXXX, Transunion has refused to remove this inaccurate reporting from my credit report, which lowers my XXXX XXXX and negatively impacts my credit report.

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 2017-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo not allowing me to work out my Single Family Owner Occupied Home they have XXXX XXXX records with the assignment of Titles on numerous times. 

I am a XXXX XXXX XXXX divorced women caring for my XXXX yr old mother and my XXXX old daughter. We all XXXX in My home i 've purchased back in XXXX Closing Took place in my Kitchen table unknown to me. I was approached by a family member in XXXX who stated i should Take a Mortgage out with Wells Fargo XXXX who became a broker for them ) and they did it within XXXX it was unfortunate and was a Adjustable Rate for high risk person ( I had a good mortgage never late with previous co XXXX XXXX 'S XXXX gave me a BAD adjustable rate and recorded XXXX 

I Need to keep my single family XXXX XXXX home and HOPE they will provide me a XXXX XXXX. I have attended a XXXX party group affordable housing hud councilor which will help and guide me to modify mortgage

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 2017-10-04 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: Summit Collection Services, Inc.
State: NJ

Complaint narrative:
On XXXX XXXX I received notification from XXXX XXXX XXXX advising XXXX XXXX XXXX XXXX XXXX, has placed an inquiry on my credit report as an " Installment Loan. '' I contacted the company and spoke with XXXX, who advised they pulled my credit report in order to obtain my current information in an attempt to collect a debt. The credit reporting agencies regard inquiries as a statement of fact. This company obtained my consumer report under false pretenses and knowingly without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Two checks for repairs were issued by insurance company to customer. Both checks had customer 's name and repair facility 's name on them. Customer was allowed to cash both checks with only customer endorsement. Now customer refuses to pay balance owed to repair facility.

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 2017-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC
State: NC

Complaint narrative:
XXXX accounts for {$160.00}, {$88.00}, and {$140.00} and date of service was XXXX. Accounts were written off due to billing insurance company beyond billings limits on XXXX. All XXXX accounts were referred back to original creditor from collection agency on XXXX/XXXX/XXXX. I contacted collection agency but they refuse to close account and remove from my credit report to reflect the correct reporting. I would like accounts deleted asap because I do n't owe and this account been closed out since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: OH

Complaint narrative:
I am contacting your agency because I need your help in disputing some charges done on my XXXX XXXX XXXX XXXX XXXX Citibank credit card by a fraudulent company. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a charge done on my card by a company called XXXX XXXX XXXX XXXX charged on XXXX/XXXX/XXXX of {$4800.00}. I paid them after their persuasive salesperson made me promises of a very profitable online business. I never made a penny.They kept saying how important their services were that they would do the marketing and advertising of my website. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with the company and get my refund but they ignored my requests.I know its been a long time but I need your help in trying to contact my bank so they can open an investigation please. Thank you in advance.

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 2017-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Today Navient called me and hung up. 

I have demanded twice already to be removed from their database, only to be told that there is not a do-not-call list. 
I 've had the same experience with XXXX XXXXXXXX. 
I do not even have a student loan!! 

There is no reason for them to harass me. 

Rules and Regulations Implementing the Telemarketing and Consumer Fraud and Abuse Prevention Act 16 C.F.R 310.4 ( b ) ( iii ) ( A ) prohibits calling anybody who has previously asked not to be called.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: TX

Complaint narrative:
I have tried to correct this problem with Equifax before having to file this complaint. This is something that I did not want to be but, now I have no choice. I have sent Equifax XXXX different dispute letters asking for validation of these accounts because, I know they are inaccurate. Each time Equifax just send me back that they have " verified that the account belongs to me ''. Which is clearly not what I have asked. XXXX are the accounts that I want Equifax to send me validation on or remove the accounts fully. 
XXXX XXXX {$100.00} XXXX XXXX XXXX  {$120.00} XXXX XXXX XXXX {$32.00} XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX  {$99.00} XXXX UNKNOWN {$39.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XXXX XXXX, XXXX I submitted correspondence to Ally Financial because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment. Attached you will find the letter I submitted to Ally Financial on 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 explanation
Consumer complaint received 2017-10-04 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: OH

Complaint narrative:
I recently started working on my credit I saw that I have 25 hard inquiries on Equifax,11 on XXXX , 12 on XXXX I called the company on XX/XX/XXXX asking to either dispute or remove these because they were not authorization each company told me they would dispute them seeing as XXXX had there breach last year and Equifax this year within a couple days I received emails saying they were completed so I tried to check there status I was n't able to access online so I called today XX/XX/XXXX and was told they ca n't dispute it and even though they unauthorized there was nothing they could do

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XXXX XXXX, XXXX I submitted correspondence to Barclays Bank Delaware because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Barclays Bank Delaware on 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 explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Two checks for repairs were issued by insurance company to customer. Both checks were made out to the customer and the repair facility. The bank allowed the customer to cash both checks with only the customer 's endorsement. Now the customer refuses to pay the balance of the repairs.

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 2017-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
IN REGARDS TO : ALLY FINANCIAL P.O. BOX XXXX XXXX MN XXXX. I REQUESTED DEBT VERIFICATION BY REASON THAT THE ACCOUNT IS REPORTING INACCURATELY BEING FIRST REPORTED ON XXXX XXXX. HOW IS THAT POSSIBLE WHEN THE ACCOUNT DATE OPENED DISPLAYS XXXX XXXX? ON TOP OF THAT I HAD NEVER BEEN LATE WHICH IT SHOWS SEVERAL LATE PAYMENTS. I ASKED ALLY TO PROVIDE INFROMATION REGARDING MY ACCOUNT UPON REQUEST. IT WENT UPON DEAF EARS. I GOTTEN NO RESPONSE. ALLY FINANCIAL AGENT RECEIVED THROUGH CERTIFIED LETTER XXXX XXXX SIGNED BY XXXX XXXX RECEIVED ON XXXX/XXXX/XXXX. TODAY WHILE CHECKING MY E-MAIL I RECEIVED A NOTICE FROM MY CREDIT MONITORING SERVICE. ALLY FINANCIAL REPORTED TO XXXX THAT THE ACCOUNT INFORMATION DISPUTED BY CONSUMER MEETS REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT.

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 2017-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
A collection showed up on my credit report from " Allied Collection Service '' in XXXX XXXX, NV ( original creditor XXXX XXXX. After numerous attempts to get Allied to remove collection from my report at the directive of XXXX XXXX the agency hung up on us, then told us to contact the 3 agency 's directly and laughed. XXXX XXXX had tried very hard to help and the finance manager for XXXX had personally called Allied directly to resolve the issue only to be hung up on. XXXX XXXX has detailed notes in the system of the last 2 days of actions. 
The chief compliance officer for Allied Collection Services went as far as to yell that I had a false statement and I was pretending I had a Lawyer. XXXX XXXX XXXX XXXX. ( Attorney at Law ) my attorney for years contacted them and let then know that they were not complying with the request of the original creditor. 
XXXX XXXX has also said they they will take the actions of the agency under review and might terminate the contract because of the behavior and defiance of the management and officers in reference to the unethical way they treated both the XXXX XXXX employee 's and myself. 
Please take my appreciation and thanks in advance for any and all help you might be able to provide. 

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 explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Attention Cfpb complaint XXXX I just filed a complaint and I forgot to add to my note that I am waiting for my social security benifit to come through as you Know how government offices work they are late and take too long I also am in contact with office of XXXX XXXX XXXX XXXX and they are on my XXXX case This was addition to the complaint I just filed

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 2017-10-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: MS

Complaint narrative:
Okay, I have contacted and spoke with this company numerous times. The company XXXX has been coming after me for years about this debt with XXXX Apartments ran by XXXX XXXX in XXXX in the amount of {$1600.00}. I satisfied all my judgement with them on XXXX XXXX, XXXX. I still have my original documentation from the day I paid them and have kept it just for this very reason. I have sent a copy of this document to them and they still are coming after me stating I owe them now and not the apartment. I moved out of the apartment XXXX of XXXX and satisfied my judgement while in court there is no reason that I need to pay these folks again.

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 2017-10-04 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: DISCOVER BANK
State: MD

Complaint narrative:
On XXXX XXXX, XXXX I submitted correspondence to Discover Card because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Discover Card on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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:
I requested a tax lien withdrawal and provided copies of the lien release. Both XXXX and XXXX removed the tax lien without additional information being needed. Experian requested additional information ( name, social security, address, and description of the problem ), which was already included in the original request. This appears to merely be a stalling tactic used to delay and discourage consumers. I would like to resubmit this tax lien withdrawal from my Experian credit report.

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 2017-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XXXX XXXX, XXXX I submitted correspondence to Synchrony Bank because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Synchrony Bank on 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 explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Weinberg Mediation Group LLC
State: AZ

Complaint narrative:
Called me at XXXX on XXXX/XXXX/XXXX with a recorded message. Call often after XXXX. Calls all the time from spoofed numbers. Always a recorded message. Always implying legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I had a boyfriend who bought a motorcycle and he signed me up as the co signer without my knowledge. The motorcycle was then stolen. The finance company has put a repossession on my credit report because he stopped making payments on the bike after it was stolen. I have never signed for the motorcycle to begin with and any signature was forged by my ex so there for the Repossession should only be on my ex 's credit report and not mine.

Company response to consumer: Closed with explanation