vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-15 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: MS

Complaint narrative:
Re-aged information changing and update account to past due account rolling one payment through a total of 18 months. Refusal to provide accuracy of detail to validate debt. Creditor marked account as a repossession when it is current. Recently marked account the account 30days passed due when it is current. Abuse of updating accuracy to credit bureaus. Duplication of fees in the amount of {$300.00}. Recently sent a bill with an extra {$30.00} fee more than what is due on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: MS

Complaint narrative:
Re-aged information changing and update account to past due account rolling one payment through a total of 18 months. Refusal to provide accuracy of detail to validate debt. Creditor marked account as a repossession when it is current. Recently marked account the account 30days passed due when it is current. Abuse of updating accuracy to credit bureaus. Duplication of fees in the amount of {$300.00}. Recently sent a bill with an extra {$30.00} fee more than what is due on the account.

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 2018-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I use XXXX XXXX to frequently help with paying off old debts and when I looked to get an update it showed that my auto loan through Santander consumer balance increased by XXXX to my loan between the month of XXXX and XXXX, I purchased my vehicle at the end of XXXX and my first payment was due XX/XX/XXXX and I called trying to see why XXXX dollars was added to my loan and they just kept telling me my current balance and kept saying I wasn't charged an additional XXXX dollars even though I made my payment on the XX/XX/XXXX and was not late and the balance reflects the dis charge an extra XXXX dollars is this legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
At six minutes past XXXX on a SATURDAY morning I was awakened from a sound sleep by my phone ringing. I was so soundly asleep that I did not wake up in time to answer, but because I was severely annoyed that whoever this was has called and woken me up that I called the number back a few moments later, they identified themselves as " Portfolio Recovery Associates ''. This is not the first time that they have called me before XXXX so I advised the person who answered the phone AGAIN that I live in California and that calling me before XXXX violates the federal Fair Debt Collection Act as well as California state law. The woman was unresponsive an unapologetic, so I hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 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:
Equifax took six weeks to notify the public after finding out about the breach. Even then, the site that Equifax set up in response to address questions and offer free This is the THIRD BREACH AND SECOND TIME EQUIFAX has raised the number of consumers affected since it first reported the hack.incomplete, confusing and contradictory statements, '' and failed to answer the " precise extent of the breach. '' with no cure of the problem. 

EQUIFAX maintained a separate Database for the Product the PII that was compromised. That Database had different Protocols, different Security, and was not maintained as the Database for Clients and Employees. 

The Consumer Database had no remediation plan and YET THE EQUIFAX CUSTOMER DATABASE HAS UPDATED AND A SECURE PORTAL. EQUIFAX WAS GROSSLY NEGLIGENT AND THEY SHOW A GROSS VIOLATIONS OF COMMON SENSE AS WELL AS A GENERAL DISREGARD FOR CONSUMERS. 

I HAVE EXPERIENCED SEVERAL ID THEFT AND ID THEFT ACTIVITY CONCERNS ON MY CREDIT REPORTS, INCLUDING WITH EQUIFAX WHO REFUSES TO REMOVE THE ERRORS OR ISSUES. 

IRS SCAMS AND FEDERAL RESERVE BOARD SCAMS A CLOSED XXXX XXXX   ACCOUNT DUE TO THIS, IMPACT ON MY CREDIT RATING AND DENIAL OF CREDIT. NO REMEDIATION WITH ALL THE WORK LEFT TO THE CONSUMER TO SCRAMBLE REPORTS, PHONE CALLS, FAXES, CERTIFIED MAIL LETTERS. THEN TO REPEAT TO FOLLOW UP AGAIN TO ASSURE A CHANGE " MIGHT '' BE MADE IT IS CONTINUOUS AND SATURATED INTO EVERY PART OF A CONSUMER 'S LIFE. 

THERE IS SHAME, GUILT AND STRESS, ANXIETY, AGGRAVATION A GENERAL NEVER ENDING EMOTIONAL ROLLERCOASTER OF DUE DILIGENCE FOREVER. THE HARM IS ENDLESS AND COSTLY WITH NO COMPENSATION FOR MY TIME FROM EQUIFAX WHO CAUSED THE PROBLEM. NO PENALTY FROM THE CFPB OR OTHER AGENCIES. EQUIFAX STATES '' FRAUD IS A HUGE GROWTH OPPORTUNITY FOR EQUIFAX '' SO GENERAL GREED AND PROFIT WITHOUT CONSEQUENCES. EQUIFAX DID NOT SPEND MONEY OR TIME ON THE CONSUMER DATABASE DUE TO COST AND SHARED UNENCRYPTED XXXX SHEETS OF CONSUMER INFORMATION, A TOTAL DISREGARD AND ABANDONMENT OF ANY RESPONSIBILITY. DO YOU HAVE MY CONSENT TO USE MY PI INFORMATION? NO. THEREFORE YOU ARE INCREASINGLY MORE RESPONSIBLE TO SETTLE THE HARM THAT WAS CAUSED WITH A FINANCIAL CURE. THE COST OF DOING BUSINESS IS A TWO WAY CONCEPT AND THE DAMAGE SHOULD BE SHARED. THERE IS NO EVIDENCE BASED DEFENSE EQUIFAX CAN PROVIDE AS THEY ARE GUILTY OF CRIMINAL BEHAVIOR, GREED, CORRUPTION. A DISREGARD OF THE SEC GUIDELINES, LYING TO THEIR SHAREHOLDERS, THE SENATE AND OTHER AGENCIES. THE CONSUMERS ARE NOT ON THE LIST DUE TO THE RESPONSE AND CONSIDERATION " NOT '' PROVIDED TO CURE OR MAKE WHOLE THE INDIVIDUAL. THE ENUMERATED FEDERAL CONSTITUTIONAL LAWS THAT WERE VIOLATED INCLUDE THE RIGHT TO SELF DEFENSE, THE RIGHT TO EQUAL PROTECTION, THE RIGHT TO PRIVACY ALL PREVENTED BY EQUIFAX " ACT OF TRUTHINESS ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
A Subsidiary to CL HOLDINGS LLC by the name of JXXXX XXXX XXXX , XXXX   has placed a debt on my credit report. This report is inaccurate and I have attempted to contact XXXX XXXX XXXX for debt verification as they have never contacted me. They have never responded with information regarding this debt and have yet to remove this from my report. The account looks to be tied with XXXX XXXX. However, I have not had an account with XXXX XXXX since XXXX ( which I had closed with a balance of {$0.00} ). The report states this account was opened XX/XX/XXXX. XXXX XXXX XXXX seems reluctant to remove frivolous, unsubstantiated claims of debt and is damaging my credit without cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I applied and used this card to make an initial purchase on XX/XX/2018.I loved the fact that they were supportive of veterans as I normally shop online. I have been waiting for a verification code or call from this company since then. I went online to register my card and was given a number to call. When I called that number I was told that I needed to wait for a verification code to come in the mail. To my understanding this code has been sent out in the XX/XX/XXXX. I have changed addresses and asked if another one can be sent out. I spoke to 4 different representatives who said there was nothing that can be done and I just have to wait for the code or phone call. However if I do not pay the balance by XX/XX/2018 a late fee will be added to my account!! The last representative that I spoke to was a liar and extremely condescending. She stated that all of the representatives we from her department and no one that I speak with is going to tell me anything differently. Someone is not telling the truth because the previous representative said that I need to get in touch with consumer fraud protection which supposedly is XXXX department  at XXXX. I have been a cutof XXXX  for years! And if this is they way that I am going to be treated then this company as well as its affiliates do not deserve my business. XXXX even went on to say that I can make a payment in the store but I still will not be able to use the card until XXXX can verify who I am. If they can not provide me with another code to verify who I am I am requesting that this account be closed and removed from my credit report. What is the point of keeping a blocked card?!! Abosolutely horrible customer service from corporate. This is absolutely unsure and unacceptable for a company who claims to support veterans. I am a XXXX XXXX XXXX XXXX veteran. Situations like these as well as customer service representatives like XXXX are contributing factors to why there are 22 veterans XXXX XXXX   everyday.

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 2018-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TIDEWATER FINANCE COMPANY, INC.
State: UT

Complaint narrative:
This company is nothing but incompetent. We called on XX/XX/XXXX requesting that our due date change be moved from the XX/XX/XXXX of the month to the XX/XX/XXXX of the month. We were told when we initiated the loan that after our first payment, this would not be an issue. We were NOT told that it was too close to the due date to change. We were told it had been taken care of. 

When we first called, they said it was taken care of and to check back in 72 hours. We did. We found out that instead of a date change, they had filed a deferrment, and our due date change wasn't even logged. No worries, as we still had time before our due date, and we could fill out the form again. They assured us that even with the forms, it was ok, because there is an 10 day grace period after the due date. So we did, we asked again. And again, and again. We were repeatedly told that our due date would be the XX/XX/XXXX, until well past the XX/XX/XXXX of the month. My husband had been the one calling, but I called on the XX/XX/XXXX to find out what was going on, and I was told there was no record of him even CALLING. When we called on the XX/XX/XXXX, we were told that now our account had been charged interest and late fees. We stated our situation, we were promised a due date change. We had " supervisors '' tell us that they would waive the late charges because of the previous employees mistakes. We What they didn't tell us, was that they would be charging additional interest for every day passed. 

I spoke with XXXX, who initially claimed he was management. This was a lie, as when I called again to speak directly to him, he said he would be forwarding a due date change request to management. Management has yet to receive any of our requests, so I am starting to believe this " management '' does not exist. I told him I would make our normal car payment of XXXX today, and escalate the fees and interest to management. He said it wasn't possible for me to make less than XXXX, which was the new charge with " interest ''. 

I told him I was done with the call, and would make the payment online, and he said that wouldn't be possible. I made the payment online after we hung up, another lie. 

We have been lied to, charged ridiculous fees for things we were promised would be resolved, and have been put through an intense run around. I am beyond fed up with this company, and they need to be investigated for their beyond shady practices. 

DATES OF CALLS : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: FL

Complaint narrative:
i called XXXX mastercard ( XXXX XXXX ) today saturday, XX/XX/2018. my account due date is usually on the first of every month. i paid my account on XX/XX/2018 and i paid {$4500.00} 8 days prior to my due date. and XXXX mastercard is charging me a penalty for early payment. i think that is totally wrong, but they tried not to keep me as a customer and would rather lose me as one then to fix the problem. i have many accounts with XXXX XXXX and all the other ones i have never had an issue. so i began to close my account for the XXXX master card. and they care not to keep me as customer. and just gave me a lame excuse for their penalty for early payment. thank you XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX, florida XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Used Lowe 's credit card to purchase washer, dryer, etc during XX/XX/XXXX sale and did not go through the card. We ended up using our own personal debit card to purchase all of the items and Lowes refuses to refund the amount on the Lowes credit card even though we have proof that we paid for it via our XXXX debit card. 

We have spent several hours on the phone with Lowes and they refuse to refund the amount.

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 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: One Source Technology
State: TX

Complaint narrative:
Outdated negative information over 7 years old still appearing on consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: MI

Complaint narrative:
Filed for an IBR on student loans through Navient back in XXXX payment increased over {$600.00} a month. Representative stated Navient had denied my IBR even though all other were approved and she would look into it. She comes back on the phone and states oh your approved I don't know what happened your new payment will be {$360.00} are you able to pay this. I stated what if I'm not, you can apply for the revised IBR. Payment is do in on XX/XX/XXXX. So Inquired about this revision affecting my forgiveness loan program she states it would not but we will have to give you a deferment for a month so your loan does not post late. This over the 3rd time that Navient has deployed tactics to increase our payments I believe illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX VISA CREDIT CARD FROM CHASE, XXXX XXXX ACCOUNT WITH XXXX ONLINE SERVICES AND PERSONAL CHECKING ACCOUNT FROM XXXX XXXX WER ALL LINKED. A XXXX PAYMENT EITHER NOT RECEIVED OR PROCESSED BY CHASE CAUSED A 30 DAY XX/XX/2018 NEGATIVE REPORTING FROM CHASE TO CRA 'S. I FOUND OUT ABOUT THIS ISSUE ON XX/XX/2018, I WAS NOT CONTACTED ABOUT NEGATIVE CREDIT REPORTING VIA NOTIFICATION BY CHASE. 
THE 30 DAY ADVERSE ACTION CAUSED A CREDIT REDUCTION, FEES, ADDED FINANCE CHARGES, A REDUCTION IN CREDIT AVAILABILITY TO A DECLINE FOR CREDIT A CREDIT RATING IMPACT. I CONTACTED CHASE ABOUT XX/XX/208 AND WAS TOLD THEY COULD NOT DO ANYTHING, THEY DID NOT OFFER A ONE TIME GRACE PERIOD OR ANOTHER REMEDIATION.THIS IS THE SECOND CHASE PRODUCT THAT SUFFERS FROM BILLING ISSUES, REPORTING ISSUES AND NOTIFICATION ISSUES FACTA, FCRA, CONSUMER PROTECTION LAW, IT IS WITHIN THE PENUMBRA OF THE ESTABLISHED CONCEPT OF UNFAIRNESS. I REMIND CHASE OF THE CFPB CONSENT ORDERS AGREED TO BY CHASE, FILE NO XXXX- CFPB- XXXX AND FILE NO XXXX- CFPB- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
Last year I filed a complaint concerning the misapplication of my payments and assessing late fees that were not correct nor were they justified. The Regulatory Case Number is XXXX-XXXX. After getting the complaint they went back and applied my payments properly until around the beginning of XX/XX/2018. They have once again misapplied my payments, incorrectly assessed late and other fees which to this day I still don't understand. Once again I have tried to resolve this issue with them but they're still insisting that I am behind in my payments. My payments are submitted by my bank every two weeks which coincide with my pay dates. In the month of XXXX and XXXX they received 3 payments but they are still saying I'm behind in my payments. Again I have contacted them on several occasions asking them to apply my payments as they were received. This morning XX/XX/XXXX, I received a phone call with a recorded message stating they have not received my payment for XXXX. I am at my wits end with this company. I know the company is saying that I am making illegal payments, but the contract states my payments are due on the XX/XX/XXXX of each month, and they receiving my payments in advance of the due dates. Base on the payments that have been sent, I should be paid up through the Month of XXXX. Once again I am asking for your help in resolving this issue ; that all payments be applied properly, all illegal fees that have been assessed be reversed and to ensure me that they will continue to apply my payments as they have been received. I'm also not understanding why only a little over {$2000.00} has been applied to the principle. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
My vehicle was repossessed under unfair conditions. I was not given a replevin notice and not given the opportunity to update payments. I was hospitalized at the time of repossession and not given any notices for bill of sale and amount owed after vehicle was sold for auction. I am asking to remove the reposession from my credit report because of unfair credit reporting and unfair reporting/notices from Nissan Motor Acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX VISA CREDIT CARD FROM XXXX, XXXX XXXX ACCOUNT WITH XXXX ONLINE SERVICES AND PERSONAL CHECKING ACCOUNT FROM XXXX XXXX WER ALL LINKED. A XXXX PAYMENT EITHER NOT RECEIVED OR PROCESSED BY XXXX  CAUSED A 30 DAY XX/XX/2018 NEGATIVE REPORTING FROM XXXX TO CRA 'S. I FOUND OUT ABOUT THIS ISSUE ON XX/XX/2018, I WAS NOT CONTACTED ABOUT NEGATIVE CREDIT REPORTING VIA NOTIFICATION BY XXXX. 
THE 30 DAY ADVERSE ACTION CAUSED A CREDIT REDUCTION, FEES, ADDED FINANCE CHARGES, A REDUCTION IN CREDIT AVAILABILITY TO A DECLINE FOR CREDIT A CREDIT RATING IMPACT. I CONTACTED XXXX ABOUT XX/XX/208 AND WAS TOLD THEY COULD NOT DO ANYTHING, THEY DID NOT OFFER A ONE TIME GRACE PERIOD OR ANOTHER REMEDIATION.THIS IS THE SECOND CHASE PRODUCT THAT SUFFERS FROM BILLING ISSUES, REPORTING ISSUES AND NOTIFICATION ISSUES FACTA, FCRA, CONSUMER PROTECTION LAW, IT IS WITHIN THE PENUMBRA OF THE ESTABLISHED CONCEPT OF UNFAIRNESS. I REMIND CHASE OF THE CFPB CONSENT ORDERS AGREED TO BY XXXX, FILE NO XXXX- CFPB- XXXX AND FILE NO XXXX- CFPB- 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 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX VISA CREDIT CARD FROM XXXX, XXXX XXXX ACCOUNT WITH XXXX ONLINE SERVICES AND PERSONAL CHECKING ACCOUNT FROM XXXX XXXX WER ALL LINKED. A XXXX PAYMENT EITHER NOT RECEIVED OR PROCESSED BY XXXX  CAUSED A 30 DAY XX/XX/2018 NEGATIVE REPORTING FROM XXXX TO CRA 'S. I FOUND OUT ABOUT THIS ISSUE ON XX/XX/XXXX, I WAS NOT CONTACTED ABOUT NEGATIVE CREDIT REPORTING VIA NOTIFICATION BY XXXX. 
THE 30 DAY ADVERSE ACTION CAUSED A CREDIT REDUCTION, FEES, ADDED FINANCE CHARGES, A REDUCTION IN CREDIT AVAILABILITY TO A DECLINE FOR CREDIT A CREDIT RATING IMPACT. I CONTACTED XXXX ABOUT XX/XX/XXXX AND WAS TOLD THEY COULD NOT DO ANYTHING, THEY DID NOT OFFER A ONE TIME GRACE PERIOD OR ANOTHER REMEDIATION.THIS IS THE SECOND CHASE PRODUCT THAT SUFFERS FROM BILLING ISSUES, REPORTING ISSUES AND NOTIFICATION ISSUES FACTA, FCRA, CONSUMER PROTECTION LAW, IT IS WITHIN THE PENUMBRA OF THE ESTABLISHED CONCEPT OF UNFAIRNESS. I REMIND XXXX  OF THE CFPB CONSENT ORDERS AGREED TO BY XXXX, FILE NO XXXX- CFPB- XXXX  AND FILE NO XXXX- CFPB- 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