vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northwood Asset Management Group
State: LA

Complaint narrative:
On XXXX/XXXX/17 I got a call from XXXX and XXXX left a voicemail stating to call Asset about a debt owe. I was asked to call XXXX ext XXXX. After advising XXXX I currently have no money to give but do feel I owe the debt, not sure of the amount XXXX proceed to say " I have people who or on fixed incomes making payments, its either you pay it or you do n't and those that do n't its an excuse, so I 'll mark your reply as an excuse ''. I advised XXXX if I do n't have it would does he want me to do. He began to over talk me and ended the call by saying " you know what you need to do, you need to man up, that 's right man up ''. After doing more research on the phone numbers and the company I ca n't seem to find any valid information, so before I try to pay anything I need valid proof, which I asked for several months ago when I advised them I was unemployed, but they continue to have an excuse as to why they ca n't send me anything in writing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: IL

Complaint narrative:
I am requesting the removal of one Bankruptcy ( below ) on my Equifax, XXXX and XXXX  credit report ( s ) due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. Equifax Information Service , LLC, I did not know the source of their information on the Bankruptcy and due to this, the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ). Please remove the judgment and lien as soon as possible. Bankruptcy Ref. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: IL

Complaint narrative:
I am requesting the removal of  XXXX  Bankruptcy ( below ) on my  XXXX ,   XXXX   and Experian credit repo rt ( s )  due to Civil Case No.  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , v.   XXXX    XXXX   XXXX   XXXX   XXXX ,  I  did not know the source of their information on the Bankruptcy and due to this, the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ). Please remove the judgment and lien as soon as possible.     Bankruptcy Ref. #  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 2017-06-13 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: CA

Complaint narrative:
I did not authorize this car dealer to pull my credit for credit purposes. I specifically went in to purchase a vehicle cash basis and salesperson knew this fact. He had no reason or authority to pull my credit report. He advised me he needed my social security number for purposes of  DMV  title and transfers documentation but should have never pulled my credit.      XXXX  OF  XXXX  via  XXXX  OF  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Requested On :  XXXX / XXXX / 2016  Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize this car dealer to pull my credit for credit purposes. I specifically went in to purchase a vehicle cash basis and salesperson knew this fact. He had no reason or authority to pull my credit report. He advised me he needed my social security number for purposes of  DMV  title and transfers documentation but should have never pulled my credit.      XXXX  OF  XXXX  via  XXXX  OF  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Requested On :  XXXX / XXXX /   2016  Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION

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 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
This is a follow up to a complaint about my servicer Seterus refusing to send me my monthly mortgage statements. After I submitted  the 1st c omplaint, instead of responding, they sent me a notice telling me my payment was not received and was not 31 days late ( see attached ) and a modification package.   My payment was paid including the late fee, that was incurred because they refuse to send me my monthly mortgage payment.       This is an example of the company 's incompetence.   SEND ME MY MONTHLY MORTGAGE PAYMENT STATEMENTS - ON TIME!!!!

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 2017-06-13 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My Experian credit report includes multiple names, NONE of which is my legal name.     Can not get them to change it. I am worried that their inaction is masking some sort of fraud.

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 2017-06-13 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: GA

Complaint narrative:
I looked on my credit report and seen a credit inquiry on  XXXX   XXXX     2016  from  XXXX  that I did n't authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delbert Services
State: LA

Complaint narrative:
On  XXXX / XXXX / 17  I got a call from  XXXX  and  XXXX  left a voicemail stating to call  XXXX  about a debt owe. I was asked to call  XXXX  ext  XXXX . After advising  XXXX  I currently have no money to give but do feel I owe the debt, not sure of the amount  XXXX  proceed to say " I have people who or on fixed incomes making payments, its either you pay it or you do n't and those that do n't its an excuse, so I 'll mark your reply as an excuse ''. I advised  XXXX  if I do n't have it would does he want me to do. He began to over talk me and ended the call by saying " you know what you need to do, you need to man up, that 's right man up ''. After doing more research on the phone numbers and the company I ca n't seem to find any valid information, so before I try to pay anything I need valid proof, which I asked for several months ago when I advised them I was unemployed, but they continue to have an excuse as to why they ca n't send me anything in writing.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-13 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: CA

Complaint narrative:
I have 2 Citicards XXXX ( Business ) and XXXX ( Advantage ). In XXXX, Advantage sent a mandatory replacement card. I did not authorize this card. However, Citi began using the new account. When I receive my mailed statements, I access the XXXX version on line. I do this so that I can designate which expense is paid by my business, home or other user. In XXXX, I discovered 4 statements (??? ) on line but the XXXX versions were not available. A recent payment was not on any of the accounts. Citi had to do a forensic search to find the payment. Since then, I have been unable to reconcile the accounts and therefore, unable to pay my bill in full. After many, many hours ( probably 30+ ) of conversation with Citi Customer Service , I contacted the office of XXXX XXXX , CEO. XXXX XXXX has responded. I have sent all thXXXX XXXX spreadsheets that do not reconcile with the PDF ( printed ) statements. The issue is not yet resolved. However, last week XXXX XXXX was on vacation & suggested that I contact Customer Service. That 's when I decided to file a complaint. XXXX XXXX also suggested that if the account was not paid in full, Service & Interest charges could not be reversed (!! ). I can not pay the bill in full until I can reconcile the statements. Another suggestion : My credit would be affected (!! ) PS Your form only allows the id for one card. I have two cards in disarray.

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 2017-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On  XXXX   XXXX , 20017 I checked my acct and had  XXXX  in my acct. Checked my acct on  XXXX   XXXX  and seen that I had  XXXX  In over fees. I called the bank and talked with the manager she said that it was because of  XXXX  charged but when I look on my statment I had about  XXXX  after that came out. So than on  XXXX   XXXX  we went to the bank so they can show me why I went over. The assistant manager sat down with us looked at are statement and the statement she printed out and agreed that we should have never got the  XXXX  over fee. And that has caused a snowball affect. She said she would talk with the  manager  and get back to us on Monday. On Monday the assistant  manager  called and said it was because of a  XXXX  deposit that made us over. The manager called us back week of  XXXX   XXXX  and said it was a  XXXX  that caused the problem but yet it dose not show up on my statement nor t he one the acct manager printed out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
Our home went into foreclosure in  XXXX  after the economic crash in  XXXX . We Had an  80/20  loan orignally with  XXXX   XXXX  Mortgage. Which then had  XXXX   XXXX  Mortgage  XXXX   XXXX  till we went into foreclosure in  XXXX .  XXXX   XXXX  mortgage then changed to  XXXX   XXXX  in  XXXX   XXXX  according to information provided from internet. On our credit report it demonstrated that  XXXX   XXXX  charged off both loans (  XXXX , and  XXXX  ) with last report date of  XXXX , and stated last activity in  XXXX . We then started receiving information from Real Time Resolutions attempting to collect a debt that has been already charged off and closed. They have been inaccureatley reporting to credit berueas and state that the account was opened  XXXX  and is currently still reporting with last report date of  XXXX . But it does not show any last activity date. This is inaccurate information, and we are demanding that this be removed from our credit reports. They have enabled us from moving forward into being able to become  2nd time home buyers. There is also a recent class act lawsuit against Real Time Resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: Nelnet, Inc.
State: CA

Complaint narrative:
The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishandled  MY  loan money so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TaxServ, LLC
State: IL

Complaint narrative:
Hi I have a problem whit  XXXX   XXXX  a tax this company try to colle ct a tax deb but I call a several times and I sent a letter I am not the person I explain some one else use my identification and buy a several cars I ca n't pay the vehicle tax because I never buy those cars. The last time I spoke whit this company and I sent a letter explaining the situation and then the company stop charging the amount now the company try again to charge me more and I do n't no why do n't understand I am a identity thief victim

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I looked on my credit report and seen a credit inquiry on  XXXX   XXXX     2016  from  XXXX  that I did n't authorize

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 2017-06-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I looked on my credit report and seen a credit inquiry on  XXXX   XXXX   2016  from  XXXX  that I did n't authorize

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 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We purchased our home in  XXXX   XXXX  for  XXXX . We received a conventional mortgage with citimortgage for  XXXX . In  XXXX  we were approved for a HELOC with Citi for approximately  XXXX . In  XXXX  i became unemployed. I was out of work for 3 years. We reached out to citimortgage many times to apply for assistance. With both loans we were unable to make the payments on our home. I remained unemployment for 3 years and our home went into foreclosures procedures. we did reach out to citimortgage many times for help they were unable to assist us. citimortgage sold our mortgage to   XXXX   XXXX   in  XXXX   XXXX  we were taken to court and foreclosure procedures continued. In  XXXX  we filed for chapter  XXXX  bankruptcy. Our homes current value is  XXXX  and we currently owe  XXXX  for 45 years. We need extensive repairs as well to help increase the value of the home. When we purchased the home in  XXXX  for  XXXX  this price was way above the value of the home. It was at the height of the housing bubble. We also should not have been given a HELOC. It over extended our income to over 45 % yet we were approved based on the false inflated value of the home.

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 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been trying to resolve inaccurate information from my credit report with Equifax for several months now. I have filed a dispute through their onl ine dispute site (   XXXX   XXXX   XXXX   # ) as well as sent a written notice with documentation to their dispute department. My dispute continues to be ignored. I filed a complaint with the CFPB and Equifax responded that my dispute was never submitted. Therefore, I attempted to file a dispute for the third time on their website and after I enter my information, I am getting an popup message stating my request can not be processed at this time. Both  XXXX  and  XXXX  have already updated the inaccurate information but Equifax continues to ignore my dispute. If I do not get a resolution from this matter within 30 d ay, I am involving an attorney in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Account Control Technology, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, I received a letter " Notice of Proposed Wage Garnishment, Due to Debt Owed to US Government '' dated XXXX XXXX. I was under the impression that I was on a deferment. As I read the letter, it stated that I could call Account Control Technology. I was then informed that Account Control Technology had my account since 2015. I advised that I was never advised that Account Control Technology was handling my account. I was under the impression that XXXX was handling my account. I advise Account Control Technology that I was never aware that they were handling my account and asked how could they garnish my wages if they never attempted to contact me. I advised that my address and phone number had not changed, I advised that this was a unfair and deceptive practice. I asked to escalate the call to a manger because I wanted to speak with a reasonable person. XXXX 's manager got on the phone and acted as she wanted to assist but disconnected the phone when I challenged her on the collection tactics. If I owe the amount specified, I would like to clear my debt.BUT IT IS NOT FAIR THAT ACCOUNT CONTROL TECHNOLOGY HELD MY ACCOUNT FOR 2 YEARS THEN TRY TO GARNISH MY WAGES. THIS IS VERY UNFAIR AND UNFORTUNATE. I SHOULD BE GIVEN THE SAME OPPORTUNITY AS OTHER TO MAKE PAYMENT ARRANGEMENTS. NOT BECAUSE A VENDOR HELD AN ACCOUNT AND NOW THAT IT IS AGED THEY ARE TRYING TO ENFORCEGARNISHMENT. I can not afford to pay 15 % of my income as stated on the garnishment. I can pay at the most {$25.00} a month. XXXX XXXX XXXX lied to me about my loan and I do not remember signing the promissory note that was indicated by Account Control Technology.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13 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: OH

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I received a letter fro m Citi Bank telling me I may have been enrolled in an optional debt protection program offered by Citibank N.A. f or which I was charged a monthly fee. At no time did I agree to such a program or have a record of agreeing. I appreciate tha t Citi h as reached out, but after submitting a claim on a potential refund I was informed this would be handled by early  XXXX , which seems excessive. Also, given the misrepresentation by  XXXX   XXXX , I find this behavior to be suspect overall on the part of Citibank.

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 2017-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Company allowed me to lease a vehicle at an astronomi cal " Rent-Fee '' ch arge that should be deemed illegal. After 3  years of paying this disgusting rate, I went to purchase my vehicle through Ally Financial ( the same company I leased the car from ) and they denied me financing. How could it be fair to not allow the customer to buy the vehicle after a lease?

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 2017-06-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
Quality Recovery service  XXXX   XXXX   XXXX   XXXX  Was remove from my credit report back in  XXXX  and  XXXX  the item reappeared back on my credit report with different balance.This company garnish my wages from a seasonal part time job. This is against the law. To remove item and place item back on my credit with different balance amount. I move from the apartment in good standing with a  XXXX  balance.   Papers have been mail and fax to the agent and credit bureau. Please remove move this apartment off my report.     Can you please remove Quality Recovery Service  XXXX   XXXX   XXXX   XXXX   XXXX  GA  XXXX  Account #  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation