vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-18 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
In 2007 the XXXX account went into collections due to my XXXX and XXXX   XXXX stemming from my military service during the XXXX war era. I contacted the company and made payment arrangements which I successfully completed as agreed. I was recently contacted by XXXX XXXX XXXX, again, about this 12 year old past debt, and filed a dispute. Their investigation yielded account information that was not only 10 years old, it did not reflect the payoff agreement, and subsequent paid status of the account.I again contacted XXXX XXXX XXXX by phone and was told they were still investigating the dispute and would not talk about the account. I again refuted the status of the debt, and apprised the company I would be seeking legal remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I ordered checks online, in XX/XX/XXXX Wells Fargo, mailed them to the wrong address, I needed the checks so I had to order again expedited, and was charged, even though I talked to the postmaster, who had to track the package, said they put the wrong address on the package they refused to tae any responsibility and charged me twice.

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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On about XX/XX/XXXX, I became aware of the fact that I was likely part of the gigantic breach at Equifax that started as early as XX/XX/XXXX, though news reports and the Equifax " tracker '' online. Equifax apparently did not have adequate security measures in place to prevent this information from being accessible to hackers, nor did Equifax take appropriate measures to alert the public as soon as practical, thereby further aiding and abetting the hackers to use our information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I cosigned for a private student loan through XXXX XXXX that was later transferred to navigate the primary borrower default it on the loan I was contacted at eight years later that the loan is in default and asked to make a form of payment. The debt collector was called consumer collection services they made agreement with me stating that if I paid {$300.00} I could have my name removed from the loan and I would no longer be liable I have documentation that I have fulfilled my portion of this I am now in a small claims suit against a different debt collector for the same dead and they are garnishing my wages for the full amount of the loan which is {$2900.00}. I have already contacted them and provided them with the information and copies of the letter showing that I have satisfied my end of the dead yet they still pursue legal action against me. No I have lost 25 % of my income which I can not afford and I do n't know what to do. If requested, I can provide additional copies of said agreement that removes me from this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On or about XX/XX/XXXX, a person by the name of XXXX XXXX stole a check forged my name and deposited the same into his account. I contacted Citibank regarding this matter, to no avail the investigation was closed twice due to Citibank 's failure of providing letters of information requested the 1st time and when having done so, up and to including a police report mailed into Citibank, they have not given me my funds back. I go to court in this matter on XX/XX/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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I have a car loan that I did with credit acceptance for 10k or more, monthly and it 's not showing up on my credit report. I tried calling credit Acceptance they said they will fix this problem but they have n't fixed it with the three major credit bureaus. I would like for them to update my credit information showing a pay off on a loan that I had with this lender.

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 2017-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I opened a credit account with Comenity Bank for merchandise I ordered from XXXX in XX/XX/XXXX for {$1400.00}. 

There was a 0 % promotion that expired in XX/XX/XXXX. All my payments were on time and paying down my balance. Then in XXXX the promotion expired, so they charged me interest. The problem is that the statement says that the XXXX is 27.99 %, and my balance at the time was {$260.00} - so that should be {$73.00} in interest right? Instead, they charged me {$260.00} in interest - they charged me interest on the entire balance I had originally borrowed, including the balance I had already paid off! How can they charge me interest on money that I had already paid back?!?! And why does n't the interest rate they show on my statement reflect the real interest I 'm being charged? 

And since then they 've been charging me more interest every month and late fees on top because I opened a dispute and they rejected the dispute. 

This is completely unfair and predatory. They 're wait times are astronomical so I can barely talk to anyone. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Since the Equifax breach, their website for setting up a credit freeze has been completely unavailable, no matter what time of day or night. I managed to put a freeze in on XXXX and on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I orderd a couple pairs of shoes from XXXX XXXX for my mom when I received them they did n't fix her and they do n't have half size shoes or larger size, so I returned them, next thing I knew XXXX said, you have to pay for the return, I had no ideal there was a charge to return them. 
so I had to dispute with XXXX, they say they were sorry and that was it. 
so I continue to get bills for plus late fee of XXXX dollars and the amount of return was XXXX dollars so after months of billing me XXXX was due for XX/XX/XXXX bill to comenity.net.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XX/XX/XXXX : I acquired a mortgage through Wells Fargo, and bought my homeXX/XX/XXXX : I lost my full-time job where I made $ XXXX/year at no fault of my own ( budget cuts ) XX/XX/XXXX : I contacted Wells Fargo immediately, who put my mortgage on forbearance due to financial hardship. Home Preservation Specialist in XXXX XXXX Iowa, said on recorded phone conversation that at the end of my forbearance, we could modify the loan so my missed payments would be put at the back of my loan. Also that there would be other options available if I did not want to do this, like pay the overdue balance in installments over time. It was discussed that having options would not be an issue. 
XX/XX/XXXX : Forbearance extended to XX/XX/XXXX due to me still not having found a full time job XX/XX/XXXX : I found full time employment XX/XX/XXXX : I contacted Wells Fargo Home Preservation to begin the modification options previously discussed. 
XX/XX/XXXX : Wells Fargo responded saying I have no modification options, and to pay the {$35000.00} delinquent mortgage or sell the property. 
I now have until XX/XX/XXXXt to pay delinquent money. Wells has now not given me any options to retain my home, and gives me 3 weeks to come up with the delinquent balance. How is this fair? If Wells wants to keep their mortgage portfolio in good standing why would n't they work with me? I 'm employed and ready to start paying.

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 2017-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I deposited a check in the amount of {$98000.00} dated. The check was made out to my company XXXX XXXX XXXX. The check was dated XX/XX/XXXX check number XXXX. Before I allowed XXXX XXXX to deposit the check I explained to him what the check was for. I have a asphalt contract with XXXX XXXX XXXX. He called someone on the phone and came back and assured me that there would be no issues. He stated that {$49000.00} would clear within 5 days and the other balance of {$49000.00} would clear five days after that. Before the money was to clear I received a message stating that my account had been closed. I also received a statement stating that {$98000.00} was in my account. I went to the bank he requested that XXXX verify the check. They did verify the check. He stated that the account would be reopened and it would clear in 7 days. Once again no money cleared. Went back to the bank and told me that the check would be mailed out. No check was mailed out. I called the bank and a rep stated that the check was being held in the vault and I should get a letter in the mail as to what I needed to do. No letter has come and no money has come. XXXX XXXX requested that the money be sent back. No money has been sent back. XXXX XXXX has not been helpful he has been giving me the run around. When I call the bank they leave me on hold and he never picks up. He does not answer emails. The prje3ct is now on hold because I have no money to pay the workers or buy asphalt. I need the money to be returned back to me or back to the sender.

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 2017-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX I am a victim of Identity Theft. I tried to report this to TransUnion and XXXX both today.
However, upon contacting them both on their websites and calling their phone numbers. 
I was blocked from moving forward because of all the FRAUDULENT INFORMATION on my credit reports. 

On Friday, XX/XX/XXXX I contacted XXXX to first report the IDENTITY THEFT. This complaint was already filed with your agency subsequently -- Complaint Number XXXX. 

Please help me to get this corrected. Thank you!

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 2017-09-18 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: AR

Complaint narrative:
I am one of the 142+ million Victims of Equifax 's botched/lax security standards. I have been waiting a week for them to send the email which will allow me to complete my enrollment in their offered " Protection '' Plan - called them today and call center simply states over and over that they are overloaded and to wait.
WAIT until someone steals my identity and ruins my hard earned Credit Score? WAIT until I pay multiple  other reporting agencies to freeze my credit? WAIT while their executives sell more stock and/or retire? Equifax knew of this breach for over a month, have still not notified me in writing, and have had plenty of time to staff-up to handle the fall-out. In the mean time, I 'm and 140+ million others are at risk of having a life ruined with identity theft!
DO SOMETHING to protect the public!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX my husband ( we have since divorced ) did not pay his XXXX XXXX Income taxes. When I discovered in XX/XX/XXXX that they had gone unpaid and two tax liens had been filed jointly against us I called the XXXX XXXX XXXX XXXX to go on a payment plan. In XX/XX/XXXX both liens were satisfied and marked paid, satisfied and cancelled. This was also officially recorded with the Clerk of Superior Court. 

Following my Divorce in XX/XX/XXXX I wrote all 3 CRA 's with supporting documentation to request that the liens still remaining on my reports be removed. I was instructed to contact the State of XXXX directly in order to do so. However, XXXX XXXX XXXX XXXX informed me the Department has no control over what public information a credit bureau chooses to keep or report. Furthermore, although the liens had officially been withdrawn the Department does not report the recording of state tax liens to any such agencies and therefore has no responsibility to instruct a CRA to alter any derogatory reports even if they remain in error.

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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX my husband ( we have since divorced ) did not pay his GA State Income taxes. When I discovered in XX/XX/XXXX that they had gone unpaid and two tax liens had been filed jointly against us I called the GA Department of Revenue to go on a payment plan. In XX/XX/XXXX both liens were satisfied and marked paid, satisfied and cancelled. This was also officially recorded with the Clerk of Superior Court. 

Following my Divorce in XX/XX/XXXX I wrote all 3 CRA 's with supporting documentation to request that the liens still remaining on my reports be removed. I was instructed to contact the State of GA directly in order to do so. However, GA Dept of Revenue informed me the Department has no control over what public information a credit bureau chooses to keep or report. Furthermore, although the liens had officially been withdrawn the Department does not report the recording of state tax liens to any such agencies and therefore has no responsibility to instruct a CRA to alter any derogatory reports even if they remain in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I received a letter from ADVANCE FINANCIAL saying they were going to take out {$280.00} from my checking account on XXXX/XXXX/XXXX. On Saturday, XXXX/XXXX/XXXX, I called them ( they are open XXXX ) and told them I could not afford that amount coming out. I told them that I could pay {$25.00} the following Monday, XXXX/XXXX/XXXX. The representative ( I did n't get her name XXXX agreed to the arrangement. On Monday the XXXX, I found that {$290.00} had been drafted from my account. I called Advance Financial again to find out if they took it. The representative that I spoke to ( did n't get her name either ) said that they had not yet taken anything out of my account and confirmed the earlier arrangement. I then went to my bank to find out who took it out. They said it was Advance Financial. I then called Advance Financial again and got a male representative. He said that the draft was put in motion on the XXXX, which was why it was n't stopped by the arrangement on the XXXX. I then asked him why I was told by a representative earlier in the day that they had not yet taken anything out. He said he did n't know because my account showed that I called earlier in the day, but not what was discussed. 1 ) The rep I spoke to on Saturday XXXX XXXX ) did n't tell me this transaction was pre-arranged, already in motion and would n't be stopped or changed no matter what I did. 2 ) The rep I spoke to today XXXX XXXX ) LIED to me when she said that they had not taken anything out of my account today. Now I have to borrow money from yet another company to cover outstanding checks and debits in order to prevent them from bouncing, thereby causing overdraft fees, thereby causing even more debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have attempted several times to get this collection removed that is from Santander Consumer. I have provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. This is not my account. Please help me to get this item removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Recovery Solutions Group, LLC
State: IA

Complaint narrative:
Threats against me of physical nature, threats of illegal service of false collection/court documents. Called my brother attempting to obtain personal information about me on X/XX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Under the new law effective XX/XX/XXXX, any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. I disputed this information with Experian on XX/XX/XXXX, the Credit Bureau says the information is accurate has not updated this information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report. I have attached two documents with the new laws.

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 2017-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
XXXX XXXX is a company I trust. I used them to get a secured credit card. Now, I am cheated. One of the companies who advertises through XXXX XXXX { XXXX XXXX XXXX } was offering radically more money on a loan. { 2000 % more. } My credit has been improving as I have made this a real priority. I applied for the loan a month before moving, hoping to cover moving expenses including furniture. No where in the five pages of legal and apply { except for one sentence, one time } did they suggest I needed to own a vehicle to put at risk as collateral. 

They classic bait & switched me. One of the parts of the service XXXX XXXX gives is to show the highs and lows of the credit scores of other user who have been approved. They switched the loan over to secured and claimed I was approved. I am sure they are including me in the XXXX XXXX list of approvals. I do not anticipate getting any money from them. I demand inquiry into how many of the listed approvals statistics actually resulted in money being lent to the consumer who found XXXX XXXX XXXX through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was breached in the Equifax hack of XX/XX/XXXX. I first became aware of the problem near the beginning of XX/XX/XXXX. Equifax apparently had insufficient data protection safeguards in place and as a result my personal credit information along with approximately 143 million other Americans ' credit histories have been compromised

Company response to consumer: Closed with explanation