vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX XXXX, 2017, I finally got an email with a link to sign up for a free 1 year of credit monitoring ( XXXX XXXX XXXX XXXX  ). Unfortunately, I am unable to login to my account. My password is not valid. I could not reset. I wanted to freeze my credit report with XXXX. But access to website, and toll-free calls to XXXX  have not been helpful. They indicate company is overwhelmed with many requests to do anything to freeze, signup for their XXXX service, reset passwords, or even request a free credit report. Each day I try to call or go on the internet to contact them is fruitless.

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 2017-09-27 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
I went to a cash maching to use a card from One Main Financial to get {$500.00}. It was a XXXX XXXX machine, the machine said the cash transaction was declined or was unable to be processed. Though the cash was never dispensed - the charge went on my card anyway. 

I called XXXX, the ATM service provider, and One Main.  They all blamed each other and nobody would refund my money. I filed a dispute with One Main and they said it would take 10+ days. In the mean time I am out {$500.00}. One Main states they are acting on my behalf to resolve the situation but will not provide me with any documentation on what they are doing. I said if they are acting on my behalf they must provide me with the information on their efforts to resolve the situation - I was very clear with the representative and she refused and when asked several more times, I made clear what I was asking for - she continued to refuse. 

XXXX and One Main are both pointing the finger at each other and nobody cares that they took ( basically theft ) {$500.00} from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi there I tried to contact Free Annual Credit Report on XX/XX/XXXX,  and submitted to CFPB on XX/XX/XXXX also the first complaint re not getting my Transunion report ( or XXXX report ). On XX/XX/XXXX I had a response to complaint XXXX about TRANSUNION. Transunion asked me to resubmit complaint with a copy of two documents ( documents to choose from a list - one being a bank statement ) - because they wanted to see my latest mailing address. I am now resubmitting the complaint with two copies of bank statement from within last two months. Please send me my free 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 explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
I have been dealing with this for three years. I have paid three different companies to help me with my mortgage. I do n't remember the name of the first agency but the owner was charged with fraud and has been doing federal time. The second company was XXXX XXXX, and the third is XXXX XXXX. My mortgage has been sold three times. It was with XXXX, sold to XXXX XXXX, sold to a XXXX XXXX XXXX, then sold and currently with Rushmore. In XXXX 2017. The representative from Rushmore supposedly told my rep from XXXX XXXX, XXXX that they were not going to consider me for a modification because I had used up all my appeals and the investors where not going to consider me for a modification because they did not like my income ( I work a full time job and I have a small business that is from my family on XXXX XXXX. ) They did not like that my XXXX XXXX did not pay every month on time. I have provided my income, bank statements, tax information, and leases over and over and over again and explanations of how I got behind. Nothing was ever good enough. They told my rep in XX/XX/XXXX that they had a sale date of XXXX XXXX, 2017, that they canceled. My representative calls me every to weeks and tells me that I am still in active foreclosure but have no sale date. The bank has never filed foreclosure paperwork. I have gotten on line and done a search. I have never gotten any certified letters of foreclosures and there is nothing in the courts. She called me today and left the same message. The only time that I have any attempted resolution was with XXXX XXXX. Who told me that XXXX XXXX offered me a modification. Of which that time I was only six months behind, from trying to get assistance. Their idea of modification was that I pay two payments a month for three months. If I could n't make the regular payment I still do n't understand where they think I could get the money for two payments a month. I want to save my home, I have just asked for a payment that is more manageable. I am in the process of selling a property to help with the back payment. NOONE WILL HELP ME. I was told by the representative with XXXX XXXX that they could go to court and force Rushmore to assist me. I have been told that I qualified for the HARP program, but am now told I do n't. I have asked XXXX at XXXX for copies of very communications they have had with the mortgage company and you will see from the attached information. She sent me back everything that I supplied to her, nothing of the communications between her and the mortgage company. PLEASE HELP ME. I DO N'T WANT TO LOOSE MY HOME. I just need assistance with the payment and getting caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: CO

Complaint narrative:
Loan originated XX/XX/XXXX. Original loan amount was {$14000.00}. Original interest rate was 4.75 %. Payment was {$110.00} for 15 years. On XX/XX/XXXX the interest rate was lowered to 3.75 %. The payment was never changed and continued to be {$110.00}. The online statement shows a balance of {$4600.00}. The online statement shows a payoff date 0f XX/XX/XXXX. All third party calculations show a payoff date of XX/XX/XXXX. 
On XX/XX/XXXX I contacted Navient and was told they were unable to correct the online loan detail statement. The indicated the correct payment amount should be {$96.00}?? but admitted that no effort had been made to notify me of a payment reduction. Additionally, if I rely on the online statement, I would be making an additional 10 monthly payments. 
In light of the past practices of Navient, I am concerned that they will overcharge me for this loan. My request for an updated loan statement or explanation of how my payments were being applied to the principal were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: CT

Complaint narrative:
I disputed a collections account from XXXX XXXX with XXXX on XXXX XXXX 2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I moved from the XXXX XXXX XXXX at the end of XX/XX/XXXX or the XX/XX/XXXX. My lease ended on XX/XX/XXXX and it was agreed between myself and the property manager that they would keep my security deposit in lieu of XX/XX/XXXX rent. I cleaned the apartment and left the key. I have never received a call, email, nor a letter in the mail from the XXXX XXXX XXXX stating that I owed them any money. I had all of my mail forwarded to my new address when I moved from the XXXX XXXX XXXX. 

On Wednesday, XX/XX/XXXX, at XXXX, I received a phone call from Capstone Collections stating that I owe {$690.00} to the XXXX XXXX XXXX for cleaning fees and change of lock. Prior to this phone call, I have never received a phone call nor letter in the mail from XXXX XXXX stating that I owed anything to the XXXX XXXX XXXX. Because I was disturbed and caught off guard with the call, and I did not want anything to hit my credit, I asked what I needed to do to keep it from hitting my credit. The lady told me that I could pay {$100.00} a month until it 's paid off. I asked for her to send me something in writing and I gave her my address. 

On Sunday, XX/XX/XXXX, I checked my credit report on XXXX XXXX, and saw that Capstone was reporting on my credit report as of XX/XX/XXXX, and that the account was opened with them in XX/XX/XXXX. To date, I still have n't received anything in writing from Capstone. 

Finally yesterday, XX/XX/XXXX, I received a letter in the mail from Capstone dated XX/XX/XXXX title ***Credit Bureau Alert*** stating if I do n't respond they will send the debt to the bureaus. The account has already shown up on my credit from Capstone!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC.
State: FL

Complaint narrative:
I have sent several dispute letters to both XXXX XXXX XXXX XXXX XXXX, and the 3 credit bureaus about 4 medical collection accounts contained on my reports. XXXX and XXXX  deleted the account after the first dispute. However, XXXX  continues to report the accounts. I have sent several letters to the address contained on the XXXX reports, and have received no response. I finally sent a certified letter and it was returned as undeliverable. I also tried calling the number listed on the report but to date it is disconnected. Despite having informed XXXX by letter and phone calls about the problem with the address and phone number, the accounts remain on my report and I have no way to have the information validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: KY

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX and TransUnion disputing an error on my report a collections acct tied to a debt to XXXX XXXX XXXX XXXX XXXX that I have no knowledge of and have never received a bill for from the alleged original creditor. The debt collection agency is XXXX XXXX XXXX XXXX in XXXX, IN, and the account was opened XX/XX/XXXX. 

I have disputed the acct with the collection agency and requested all communications regarding the alleged debt come through mail and that I receive verification of the debt from my alleged original creditor. They havent complied with the second part of this request, but the credit agencies still claim the acct meets FCRA requirements. Again, I have no knowledge of this account, have never received notification of the account balance from the creditor XXXX XXXX claims to be representing, and have not been shown verification of the debt, yet it is severely impacting my credit.

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 2017-09-27 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: Finance System of Richmond, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX and XXXX disputing an error on my report a collections acct tied to a debt to XXXX XXXX XXXX XXXX XXXX that I have no knowledge of and have never received a bill for from the alleged original creditor. The debt collection agency is Finance Systems of Richmond in XXXX, IN, and the account was opened XX/XX/XXXX. 

I have disputed the acct with the collection agency and requested all communications regarding the alleged debt come through mail and that I receive verification of the debt from my alleged original creditor. They havent complied with the second part of this request, but the credit agencies still claim the acct meets FCRA requirements. Again, I have no knowledge of this account, have never received notification of the account balance from the creditor Finance Systems claims to be representing, and have not been shown verification of the debt, yet it is severely impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
X/XX/17 Ace Cash Express said I was approved for a loan which I did apply for a few loans online. They have my bank information etc and when I did a little more research I had an email from a XXXX XXXX from Ace Cash Express. The email was coming from a gmail account not a company account. The phone call seemed odd to me so I called the corporate office and they dont have me on file. I believe I am a victim of a scam. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I attempted to get a refund from Equifax, and they are refusing. I have been attempting to get a resolution with them since the announcement of the security breach, but have had no success, and have been assessed additional fees as this process drags out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I disputed an account with XXXX regarding ALLY Financial. My records indicate that the information should have been removed from my report since my records indicate that the account was not current since XX/XX/XXXX and XXXX  reflected the account being removed XX/XX/XXXX. Per XXXX, ALLY Financials response to the dispute was that my account had been current since XX/XX/XXXX and did not go delinquent until XX/XX/XXXX effectively starting the 7 years over again in other words they re-aged the account which is clearly against the law. According to XXXX, they changed the payment history to ND ( No data for this time period ). This was a lease vehicle that was returned to ALLY in XX/XX/XXXX and I do not have possession of nor have I made a payment since XX/XX/XXXX.  According to XXXX, they signed a sworn affidavit that the information they are reporting is correct and I have no re-course but to file a complaint with the FTC. XXXX also stated although they agree with me and the account was re-aged, that me filing another dispute would not change anything. Please find have attached credit reports dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX where the account was clearly re-aged.

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 2017-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent this company letters over and over again since XXXX, 2017 and they have yet to provide me with anything with my signature. 
These are the certified mail tracking numbers XXXX that was signed for an employee at XXXX XXXX on X/XX/2017 and XXXX that was signed for by transunion and XXXX along with numerous of other attempts to remove this invalid debt.

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 2017-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I contacted Navient on XX/XX/XXXX or XX/XX/XXXX about setting up an arrangement to pay {$25.00} per month. I also stated to the CSR that I needed the arrangement in writing as proof that I have entered into an agreement with them for a housing program that I am currently in. I was told that because I am on an IBR with a payment of {$0.00}, that I can not enter into any agreements and was told to just make payments and print out my payment history. I made the first payments and printed out the history, but the housing counselor needs an agreement in writing from each lender as proof that I am paying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The issue I am having is with Citibank/XXXX XXXX, the current servicer of a student loan I have originally taken out with Citibank in XX/XX/XXXX for the amount of {$40000.00}. The loan has always had a fixed interest rate of 3.75 % until it got transferred to XXXX XXXX where the original conditions of the loan were changed without noticed. It is now a variable rate of 4 %. 

XXXX XXXX/Citibank are not able to provide any documents previously handled by Citibank like promissory notes, loan conditions at the time etc. I have called XXXX multiple times to request previous records and they tell me I need to call Citibank. When I call Citibank they ca n't provide any information for me either. Since they are unable to provide any records it is hard for me to explain that a fixed rate became variable without my consent. 
I have been repaying the loan since XX/XX/XXXX and loan balance is currently at {$40000.00} and there is no clear explanation of how much of each payment is going towards what. 

Please let me know and I will send more information specific to the loan and my identity.

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 2017-09-27 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: CA

Complaint narrative:
The Equifax website confirmed that my personal data has been hacked. They are offering a free fraud alert at all three credit agencies, but it is only good for 90 days. I want a free CREDIT FREEZE at all three credit agencies for many years ( while the thieves could be using my data ). Not only do they NOT offer this free protection, there is NO WAY to speak to a human being at Equifax. The temporary phone number they have given is for a 3rd party agency that can not answer any of my questions, and is not willing to offer free freezes. The temporary phone number allows me to talk to a human being, but the only thing that human being is able to do is refer me to the website and other phone numbers that are PERPETUALLY busy. I am unable to contact them to DEMAND a free freeze all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is two account on my TransUnion and XXXX credit reports that should not be in collections. I have called the collection agency and they said they have been closed. XXXX XXXX XXXX XXXX both amounts are for {$150.00} dates they were placed is XX/XX/2015 and XX/XX/2015.

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 2017-09-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Amount due XXXX, credit limit XXXX I was reported two payments late on a credit card, XXXX XXXX credit card. I do not dispute the debt or the amount due. 

The company changed the system in which I receive my monthly bill, I was unaware of the change. I like and have always received a paper statement from the company. I have been a customer since 2006. I think it has been longer but I have no proof of that statement The two late payments showed up on my credit report via " XXXX XXXX ", I paid the amount due and discussed with employee XXXX # XXXX, who will make sure I recieve a paper statement he also waived one late fee. He was very helpful and a pleasure to deal with this afternoon. He could not help in reversing the late payments on my credit report, he gave me an address of XXXX XXXX, XXXX, Kentucky XXXX to write a letter to see if the company will resolve the issue I contend that I do not look at email from XXXX, I delete it without looking at its contence. I did not recieve a paper statement that I have always paid in the past on time. I DID NOT request an e bill or to a paperless system at all. Because the company has a credit history with me and knows I pay on time I want the late payments removed from all credit agencies.

Company response to consumer: Closed with explanation