vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-23 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: OR

Complaint narrative:
XXXX XXXX / XXXX XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX XXXX / XXXX XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit reports.

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 2017-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I currently have a subscription with Equifax for the " Premier Plus '' monitoring service. For the past 30 days this service has n't been delivered as agreed ; yet the monthly service fee continues to be debited from my bank account. I have spoken to multiple technicians and customer resolution specialist regarding the situation however the problem still exist.
The main issue centers around on every occasion I attempt to access my credit report through this service ; I 'm given a systemic error message that tells me to contact Equifax. Upon contacting Equifax I 'm placed on hold for approximately 30 to 45 minutes with no resolution ; I 'm basically told its a problem with the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: OLD NATIONAL BANCORP
State: KY

Complaint narrative:
My bank is Old National Bank. XXXX XXXX app is not partnered with that bank and it 's causing some difficulties

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: LA

Complaint narrative:
XXXX XXXX can not connect to the bank for information. The bank side of the issue is what 's wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On or about XXXX to XX/XX/XXXX, my gas card was stolen. I had that card since XXXX and never had a problem until it was stolen. I notified XXXX and they did not remove the fraudulent charges. I emailed them, sent them letters, called them, however they did not stop the card which was being used in Mississippi. I had automatic payments coming out of the bank account so as not to ruin my credit and stopped those to try and resolve the problem figuring that would cancel the card. Of course after not paying they sold the account to Midland, instead of reversing the charges. Midland filed a lawsuit XX/XX/XXXX, which they stopped because of my Motion to Compel Arbitration. I filed a XXXX Arbitration and paid the fees per the credit card agreement, however, Midland refused to pay their fees and refused arbitration. I informed XXXX  of the stolen credit card and fraudulent charges. Midland stated in their lawsuit that because the dispute was untimely, the charges stand. Well, they were not untimely. Midland is damaging my credit. XXXX credit card agreement states all disputes will go through arbitration and Midland broke that  agreement by not following me into XXXX. Also, Midland is using XXXX as one of their Names to report their collection even though all information is Midlands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I bought my townhouse about 7-8 years ago for XXXX and I put 20 % downpayment. About 6 years ago I got some assistance reducing the monthly payment since I was laid off. Now my mortgage rate is about 5 % and I 'm still paying as if I had not pay the 20 % down payment because townhouses in the area are valued at around XXXX. I want to see if there is the option to reduce my interest rate and payments, my credit is good and so is my payment record. They want to charge me for closing costs on a home that is underwater? that 's unreal.I also want to know who owns the mortgage, Citi, XXXX XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
An unauthorized payment of {$270.00} was taken out of my bank account on XXXX XXXX, 2017, by Synchrony Bank. I did not authorize the auto payment and I want to press charges unless we come to a mutual agreement and settlement. I have already requested their proof of my authorizing the money/payment to be withdrawn and I have not received a response. I know it is illegal and I want this remedied. 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 monetary relief
Consumer complaint received 2017-07-23 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: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
Dear, XXXX hospital, debt collector and credit agencies ruin my credit record/financial record. I had a deductible health insurance in 2XX/XX/XXXX. We have XXXX kids and their primary doctors were from XXXX hospital. We never had issues in 9 years with them, all bill were paid and no obligatory record yet. In XX/XX/XXXX, we had couple emergency visits in XXXX XXXX Hospital and a few doctors follow up in XXXX. I had a total of {$2600.00} deductible/year. Out of that I paid {$1300.00} for my portion and {$1300.00} left in total for family. My son was recommended some therapies in XXXX hospital. The XXXX XXXX hospital used wrong medical code for billing and sent me tons of bills. I had contacted XXXX in their billing department several times and other later on. None of their people helped me. Then I reached to my insurance facilitator XXXX XXXX and that was finally resolved. Later on the primary health care unit of XXXX acquired by XXXX XXXX hospital. Then our nightmare starts. Newer management start to send several bills without processing through insurance company. I called several times but never worked to my case. I made some payments worrying about bad. At the end of XX/XX/XXXX, I got mails and calls from another fraudulent debt collector American Adjustment Bureau,  XXXX, CT to collect a {$750.00} & {$120.00} bills. I told them, the insurance records shows that amounts were paid out and asked them to find the reality and send me the final bill if I still owe. They did not do that. At the same time, I reached XXXX XXXX, a broker agency to XXXX who have similar unprofessional XXXX. They changed words and fake report several times. All these agencies put me in trouble and I did not know what was going on. At the begin of XX/XX/XXXX, the debt collector reported my debt to credit bureaus. Then, I called debt collector, hospital and XXXX XXXX why they did that. The XXXX XXXX told me they paid bill in my daughter instead of my sons account. I already cleared my daughter bills but, the XXXX hospital, CT took money from me and insurance. The Connecticut XXXX Hospital overpaid {$340.00} for XX/XX/XXXXand still tried to collect from me. I paid out the due in my son 's account per their final work. The hospital assured me to send the overpaid money back and correct the credit report. Both things never happen yet. I filed complain in Better Business Bureau, The XXXX & XXXX both show the records deleted from record however, my credit score is veered off and collection record is still there. I never got the money from the XXXX hospital that I overpaid, the XXXX hospital still trying to still me and the hospital along with American Adjustment Bureau ( debt collector ) destroys my credit record. It is a big fraud. I am a hardworking of XXXX little children and this fraud destroys family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
I am just finding out after 3 years that someone has incurred a bill and opened an account with XXXX back in XXXX XXXX, 2015. I DID NOT NOR HAVE NOT EVER HAD XXXX XXXX OR ANY PRODUCTS FROM XXXX! I am just being made aware of an account that was supposed to be had by me when i recently viewed my credit score on XXXX XXXX. It has had a negative and profound affect on my credit score and there is a derogatory remark on my credit report and I am currently disputing this claim against me and I further found out the name of the collection agency it was turned over to. I want this debt cancelled and erased form my credit profile because IT IS NOT MINE!!! Here it is two years later, only for me to find out that i have been a victim of fraud and an account has been opened with my name and I never had my id or license lost or stolen so how could this be? PLEASE I am asking for help in this matter and I never seen a bill came to my house or phone calls regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
On XXXX XXXX, 2017 I had an 18 Month CD mature at M & T Bank. The Branch I use is in XXXX XXXX, XXXX XXXX, NJ. The CD originally started with XXXX XXXX XXXX XXXX which was acquired by M & T Bank. The account balance of the CD was {$5500.00}. Last month ( or the month before ) I received a renewal notice telling me the CD was coming due but that the rate I could be paid on renewal had yet to be established, hence could not be disclosed. On Saturday, XXXX XXXX I received a renewal notice in the mail dated XXXX XXXX which disclosed the CD ( Account Number XXXX in the amount of {$5500.00} ) had been renewed for another 18 months at a rate of 0.1 %, which is ridiculously below market. On Monday XXXX XXXX, I visited the XXXX XXXX XXXX XXXX XXXX XXXX to close the CD and spoke to Branch Manager XXXX XXXX who processed the CD Closure and charged {$52.00} in interest forfeiture fees and penalties. I told her that this amount of penalty sounded excessive given the late notice on the new rate and the fact that the new rate would only yield me {$5.00} per annum in interest income. She did n't really reply to that but said I could have closed the CD within ten days of renewal or before renewal to avoid the penalty even though I did not receive notice of the rate until 24 days after the renewal. She was very nice but essentially I gathered she was powerless to be fair about this so here I am. The Bank Official Check I left with was number XXXX for {$5500.00}. I am writing to you to try to get help for myself and the countless other people who were given penalties I deem to be excessive given the circumstances.

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 2017-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I had this loan since XX/XX/XXXX, the original amount was XXXX, ,a week before graduation, the XXXX XXXX XXXX XXXX, the state had taken the liscense away from the school through out the years i tried to pay when i could unfortunately i have medical issues due to XXXX and i was unemployed several times, i have tried many times throughout the years to ask for options with XXXX XXXX and navient at one point i was told my only option was i think it was a forebearance in which my loan sky rocketed to over {$9000.00} in XX/XX/XXXX i had a XXXX i went back to work part time XX/XX/XXXX i have been struggling medically and financially .XX/XX/XXXX i called and i spoke to XXXX a customer service rep i asked her about the ibr program she told me i had to put XXXX down or she could n't help me to call back when i had the money she also told me, she was going to take care of the ibr application i would have 0 payment till the following year and then i would have to do the ibr process again, i called back on XX/XX/XXXX i made the XXXX payment i thought everything was good till XX/XX/XXXXin XX/XX/XXXX i called navient and was told that i owe over XXXX because my ibr was never done, they wanted a payment of at least XXXX in which i do not have .Now my loan is in default for XXXX I have a part time and i still suffer issues from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT MANY TIMES STARTING BACK IN XX/XX/15 I CONTACTED TRIDENT ASSET & DISAGREED I WAS ADVISED I NEED MORE DATA, I PROVIDED TWO RECIEPTS SHOWING I TURNED IN ADDITONAL CABLE BOXES AT A LATER DATE, DATED AFTER I SURRENDERED MY SERVICES WITH XXXX, ( 1 ) DATED ON XX/XX/13 SHOWES I WALKED IN MY DEACTIVATED EQUIPMENT AT A XXXX LOCATION IT SHOWS 3 CABLE BOXED & 1 WIRLESS ROUTER & XX/XX/13 I WALKD IN AN ADDITIONAL BOX THAT WAS A DEFECTED, IT 'S A SEPARATE RECEIPT SHOWING THAT I WALKED IN ANOTHER CABLE BOX, THEY CAME BACK WITH THE SAME RESPONSE I OWE THIS DEBIT WITHOUT A WRITTEN EXPLINATION INCLUDING A BILLING BREAKDOWN OF THE CHARGES, HOWEVER TRIDENT SENT ME A INCOMPLETE BILL THAT ONLY HAD FOUR PAGES & FAILED TO PROVIDE AN ITEMIZED BREAKDOWN OF THE CHARGES INDICATING I OWE THE BILL THAT HAVE BEEN GIVEN TO ME DOES NOT STATE ( 1 )  DETAILS OF CHARGES WHICH WOULD SHOW THE TYPE OF SERVICES I RECEIVED, SUCH AS INTERNET & PHONE BUNDLE ADDITIONAL SERVICES & EQUIPMENT FEES & OTHER CHARGES, I HAVE CONTACED TRIDENT THERE AFTER ON MANY DATES XXXX & XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX TO CURRENT XX/XX/XXXXAND DISAGREED EACH TIME WITH TRIDENT THAT THIS IS A BILLING ERROR, & I HAVE REQUESTED EACH TIME TRIDENT ASSET PROVIDE ME WITH A WRITTEN EXPLINATION PROOF OF CLAIM & CLARIFICATION OF CHARGES WITH VALID VERIFICATION PROOF, IN WHICH TRIDENT CA N'T PROVIDE VALID PROOF SHOWING HOW THIS MONEY IS OWED, THEY ONLY CAN PROVIDE AN INCOMPLETE BILL THAT HAS NO BREAKDOWN. THIS IS FRAUD I FEEL THIS COMPANY IS TRING TO EXTORT MONEY FROM ME, I 'M REQUESTING THAT THIS BE REMOVED ASAP IT 'S CAUSING HARDSHIP & HENDERING ME FROM MOVING ON. TRIDENT FAILED TO PROVIDE VALIDATION OF DEBIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I received a response from Equifax saying I may have been a victim of fraud. The date of the notice is X/XX/2017. I 'm making an attempt to upload a copy of my drivers license and social security card with my maiden name. I 'll try to send a copy of my marriage license, check stub. Each time I mail them information it 's lost or thrown away. I 've sent them this information several times, prior to contacting XXXX. I took a picture of my drivers license. It uploaded, it also showed removed. I do n't know what that mean. There was a number in the upload file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 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: U.S. BANCORP
State: VA

Complaint narrative:
In XX/XX/XXXX of last year, XXXX XXXX changed credit card issuers. They changed to a company by the name of Elan Financial Services. When this change occurred I was instructed to sign up with Elan and also include my monthly auto pay feature which automatically pays my bill at the end of each month. I went online and followed the instructions. A month and half later I received a late notice that I had not paid my bill. At the same time, I received a credit report showing that my credit score had dropped from XXXX to XXXX and it was because of this supposed late payment. I called the credit card company and explained that I signed up for automatic pay, but that there website must have caused the error because I had no doubt that I signed up for auto pay. They agreed to reverse the interest and penalty charges, but they also reported to the credit agency. I called Fidelity and they said there was nothing they could do. To continue this saga, I went to XXXX in XX/XX/XXXX for 4 days. While there I tried to log onto my Fidelity account. A noticed showed on the screen that by govt regulation, I could not access my Fidelity account while in XXXX. After I returned to the XXXX, I found out that all of my accounts were frozen by Fidelity. And of course my credit card bills could not be paid on time because all of my funds were frozen. I called Fidelity and they immediately unlocked my account, but once again this hurt my credit rating and caused a lot of problems. I do n't know if freezing my account was an action taken independently by Fidelity or was mandated by the U.S govt., but I want Fidelity to intervene with the credit reporting agencies and allow me to get the good credit rating I used to have before the credit card company and Fidelity destroyed it.

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 2017-07-23 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: Credit Technologies, Inc.
State: TX

Complaint narrative:
Credit Technologies Did a hard credit pull on my account on XX/XX/XXXX. I have asked them several times to provide verified authorization of the hard inquiry. They have yet to produce the verification and they told me they will not remove it from my credit report i am a victim of inquiry issues. I call all 3 CRA  and they are not removing them after I have spoken to the cooperate office who stated it would be resolved on XX/XX/XXXX instead the hard inquiry is still there. Pls have these removed it is affecting my credit report and all the CRA do not care because it is better business for them if I have poor credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Sam 's Club Annual Rewards checks were originally issued in XXXX/XXXX 2017. I called Synchrony Bank around X/X/17 due to non-receipt of my {$110.00} check. I received a confirmation letter dated X/X/17 confirming the previous check was cancelled and a replacement would be sent within 30 - 45 days. On X/X/17 I called Synchrony Bank again due to non-receipt of the replacement check. I received a confirmation letter dated X/X/17 confirming the previous check was cancelled and a replacement would be sent within 30 - 45 days. As of today X/XX/17 I have n't received my annual rewards check despite my multiple requests. I am requesting 2 things : 1 ) Your assistance in obtaining the {$110.00} via a credit to my account ( I 'd prefer not to wait for another check unless it 's coming XXXX ) 2 ) I 'd like to request that during the next Audit of this financial institution that their rewards practices with partners be reviewed specifically how many customers do n't cash checks and complaints related to non-receipt of checks. It 's appears to me issuing checks rather than issuing account credits is a way to retain some of the reward related expense due to customer 's not cashing checks they do n't receive.

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 2017-07-23 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Starting approx XX/XX/XXXX I was unable to view my Equifax credit report, get a score, or lift or place a report credit freeze. I have subscription to Equifx.com 's credit monitoring produce as well as XXXX XXXX monitoring produce. In addition, I have a free account with XXXX. I am unable to view my Equifax file or score using any of these three products.
The last time I was able to view my fie was X/X/17 Every time I call Equifax, I am offered no assistance There was a one week period where it appeared the problem was resolved but for the last 3 straight weeks and 5 out of the last 6 weeks, I cant access my file

Company response to consumer: Closed with explanation