vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-26 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: GA

Complaint narrative:
XXXX XXXX, 2017 Dear Equifax, XXXX It is now XXXX XXXX you received the first correspondence on XXXX XXXX which means your 30 days to Validate such has expired. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. Also as of XXXX XXXX, all public records are to be removed you have yet to comply.
My mother is in the XXXX XXXX of XXXX, therefore, I am dealing with our family attorney to handle her affairs. Per our attorney, You are in direct violation of my rights If I owe such debt let the collections agency send me validation, You do not have the right to play XXXX with someones family. I request an immediate deletion of all negative items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: MO

Complaint narrative:
I began receiving harassing phone calls on the XXXX of XXXX. The company, Asset Recovery Associates, said that I owed a credit card debt from 92. I did not have any credit cards in 92. I was in fact homeless. The address they gave was a family member. When I tried to explain this to the man he screamed at me and threatened litigation. I talked to him for awhile. He offered to cut the debt by XXXX. He began to double talk. I ended the call making him think I would pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
I disputed a debt from XXXX XXXX XXXX that had been sold to the debt collector Southwest Credit. I wrote a letter requesting written verification of the actual amount owed, as XXXX XXXX XXXX had added several hundred dollars to the bill in unauthorized services. I received a letter XXXX/XXXX/XXXX from a XXXX XXXX at Southwest Credit providing no written verification of the debt, only their promise that is verified and that they wanted the full balance immediately. I will not be paying anything without written verification and I have submitted a second written request for the written verification that they are legally obligated to provide upon my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
I graduated from college in 2007 and began teaching. I have tried in the past to get the XXXX XXXX  repayment plan. I was turned down two different times. I have XXXX in XXXX XXXX XXXX schools and should have been able to get on this plan. Navient has steered me into defements. My interest has become almost as much as the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: AL

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my 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 2017-07-26 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: FL

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as social security number, date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my 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 2017-07-26 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: AL

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I calledKIA motors finance on XXXX XXXXor a payoff amount on my XXXX KIA. I was given an amount that would have had me paying over {$400.00} more then originally owed. When I asked to have it explained to me all they would say is I had to pay the payoff amount they showed and I would get a refund after overpaying. Loan details were for 36 months at {$330.00} per month for a total payment of {$12000.00}. Which the representative acknowledged would have the total loan repaid. However, after I made 34 on time payments of {$350.00} each thinking I would cut approximately one payment at the end. I overpaid {$400.00} in total which I come to find out they do n't take that amount from the principal but for some reason a portion is applied to some form of unearned interest. I 'm unable to get my brain around this as the representative along with her supervisor XXXX, which I requested, he also would only say I had to overpay and trust them to return any excess. This defies logic, why would I pay more then owed. Is this legal? I have no idea if I have any recourse but to do as they say and overpay and just trust them? Who writes the laws that allow a company to do this type of accounting?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX Dear XXXX, TransUnion It is now XX/XX/XXXX you received the first correspondence on XX/XX/XXXX which means your 30 days to Validate such has expired. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. Also as of XX/XX/XXXX, all public records are to be removed you have  yet to comply. My mother is in the advanced stages of XXXX, therefore, I am dealing with our family attorney to handle her affairs. Per our attorney, You are in direct violation of my rights If I owe such debt let the collections agency send me validation, You do not have the right to play GOD with someones family. I request an immediate deletion of all negative items from my 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 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in you credit file. The Credit Bureau has not updated the information and per law true Bankruptcy listed does not include this information and should be deleted from my 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 2017-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have been disputing this collection for awhile for a collection that was placed on my credit last year for a debt that I do not owe. I 'm not understanding why this collection was placed on my account for {$5000.00}. I want this to be removed from all my credit reports immediately. I 've sent in numerous dispute letters and no action has been taken. Please advise on any updates from this issue.

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 2017-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I have a credit card from barclay which I used to purchase my XXXX XXXX. It was interest free for a year and I made all of my monthly payments. When the interest hit the card it was over {$300.00} which pushed my card over the limit. I have been making all of my monthly payments. None of my payments missed. I called this morning to get a new card because I realized my card had expired. I was informed my card was cancelled because it had a high balance and because of other accounts I have opennwith other creditors. Along with that I was also informed the card company checked my credit periodically reviewing accounts that had nothing to do with Barclay. .As I stated to the manager I was in the process of paying my account down today since I will be going on travel and will need to use the card. The was told I have to re-apply. I do not wish to reapply because it creates a hard credit inquiry. I wished for them to re-open my account. I was then told they can do as they wish with any of the customers they choose, that a letter was sent to me stating they were cancelling my account once the card expires ( a letter I never received ). In my defense I stated it seems unfair to cancel someone card because it has a high balance, with no missed payments. Once I stated this practice seem to be deceptive and an unfair debt collection practice the manager no longer wished to speak with me. I asked for a number to corporate and was informed I could not be provide with that information. I could be given a mailing address to send a letter.

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 2017-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Because of past overdrafts to my personal checking account a hold was placed on my last deposit. of a check totaling {$1300.00}. I was thinking okay a day or two. I was then informed that the hold will not be lifted for 10 business days. I explained to the bak customer service personnel that that seems very unreasonable i have business that I have to be able to take care of as well as children in my home I can not go two weeks with no money available to me. The amount of the overdraft was {$70.00} with a bank charge of {$35.00} so how is it that the bank is allowed to access the deposit to cover the over draft along with their fee and then deny me access to cleared funds in order to live? I do not have a outstanding debt with this bank and do feel that this unreasonable.

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 2017-07-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I am attempting to close the equity line of credit. Bank of America is refusing to file necessary paper work to get lien release without me paying fee of {$13.00}. I have contacted them several times but they continue to refuse to close the loan and get loan release without me paying them {$13.00}. At time of closing I asked if there were any fees to close line of credit and I was told no fees of any kind.

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 2017-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I started this loan in XXXX of 2005 and started paying the interest. on a XXXX loan. I have paid XXXX not including fees. I have a 6.5 % interest rate and I still owe XXXX. They claim interest is accrued daily and wo n't explain what that means. I have paid more than double the amount with fees easily But they only apply to the interest not bring down the principal thus then charging me interest on my interest daily and never working down on the principal. They wo n't let me release my co signer and they wo n't let me consolidate it into my fed loans. I have written my congressman and because its a private loan they ca n't touch it. They also call non stop and wo n't stop. They also have ruined my credit and my mothers credit who is a co signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This has to do with a merchant ( XXXX XXXX XXXX XXXX XXXX ) taking money from my account without my authorization. The merchant states that I signed a service agreement for there services, but I did not sign any service agreement. Also, they took the funds automatically from my account. The copy of the service agreement that they provided me does not have my signature given them approval to take funds from my account. The merchant took {$590.00} from my account without my authorization. I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/2017 and they advised that they will not refund my money. XXXX XXXX is the owner of the business and he has not responded to my calls. There contact information is ( XXXX ) XXXX or ( XXXX ) XXXX I also tried contacting my bank to advise them that this is possible fraud, but they refuse to help. I contacted my bank ( Chase ) on the following dates XX/XX/2017, XX/XX/2017, XX/XX/2017. It seems that Chase is not protecting my funds as they should. I have attached a letter from Chase where they temporarily gave me a credit for {$590.00} while they reviewed the claim. On XX/XX/2017 they advised me that the charge was valid and that they will reverse credit. I also attached a copy of the service agreement from the merchant. The service agreement does not have my signature or approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient chronically calls me about my loan being past due. Except it is n't. I 've printed a screenshot I would love to upload for you that is worth 1000 words. They constantly force you into the e-communication portal, but they never send any e-communications before a payment is due. I managed to get a 3 way call going with an attorney, and so now I get paper billing. Here is the issue with that ... my loans are due on the XXXX, and the billing comes on the XXXX, so that 's pretty useless as a reminder for the current month, so just get one month ahead ( which is fine ). But, I can see why they are being sued. Furthermore, my loans got LOST for years ( unsub and sub got split, there was a medical bankruptcy ) and there is a question about how much interest is my issue after the fact. XXXX XXXX was a whole other horrendous battle, I made repayments 3x to get the loans " rehabbed '' and they always failed to file paperwork on their end, which, as the customer ( and they swore at me, told me I had made a poor career choice, many other things ) should get me an interest load reduction. I can sue, or I can ask nicely and then sue. Either way, there are a lot of problems with all of these services and the QC is not there. Right now, if my loan is current, I would like it to be treated as current. No harassing calls, and for it to not show a due date of XXXX and then also say " past due '' on the same screen. Should be doable, correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
Fay Servicing is actively pursuing foreclosure. I requested a payoff statement from them on XXXX XXXX, 2017 and as of XXXX/2017 we have yet to receive it. I contacted the company on XX/XX/XXXX regarding the payoff request and they could not pull it up in their system nor provide the payoff information. I also requested a status on the foreclosure and was told it was in " active foreclosure '' I asked for an explanation and they said it is active foreclosure and early in the process. I asked again for what early in the process means since I have not received any foreclosure information and they refused to provide any further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CO

Complaint narrative:
I cancelled service with XXXX due to poor customer service, poor phone coverage, and had a second user whom I did not know on the phone number XXXX which was supposed to be a unique number for me. In short, I received text messages from XXXX for sales pitches that I did not request and specifically requested by text and by mail that XXXX not contact me via text with any sales pitches due to the limited memory of my phone and my need for text messages due to hearing loss. I also received several pornographic pictures though it is not clear where those pictures were sent from as no phone number was attached. I informed XXXX that I would cancel my service if any more text messages were received and if they did not clear up the second user of that same phone number. I did NOT have a contract as my phone was my own and I paid for monthly service. I have now received a dunning notice for ERC claiming I owe {$160.00} for XXXX, and I also received a phone call from someone claiming to be from XXXX on XXXX XXXX at XXXX XXXX from XXXX requesting payment. I NEVER owed {$160.00} and this would be for multiple months after I cancelled service with XXXX. I am really pissed that this substandard company with documented complaints continues to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I have received repeated phone calls from XXXX. They are trying to reach my ex husband. I am divorced from him for a reason and should not receive phone calls regarding any of his private financial business.

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 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Recovery Systems
State: IA

Complaint narrative:
I was contacted on XXXX XXXX about a debt that i owed. I had spoke to a man he was very rude and kept talking over me. I asked repeatedly for a letter to be sent to me and i would pay the debt. He stated he would send a letter but they can still proceed with garnishing my wages without me getting the letter. As of today, XXXX XXXX, I still have not gotten a letter. I received a call again today, from a different number, and a voicemail stating they were going to move forward with a hearing with or without hearing from. I call and again ask for a letter so i can take care of the debt and he states " a letter was sent but he has not idea why i havent received it ''. we verify my address and he says my only option now to recived the letters is through email. But regardless they are going to continue with a hearing and may request my presence and i SHOULD get a letter. All i want is a letter verifying this is a legitimate company requesting this. Some of his information was wrong and he says he is SURE i have received other letters trying to settle this. Which is false in the last years i have not received any letters.

Company response to consumer: Untimely response