vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX and transunion not showing or letting me see a free copy of 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 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
On XX/XX/2019, I made the poor choice of engaging John C. Heath , Attorney at Law , PLLC. d/b/a Lexington Law Firm ( referred to now as LLF ) in a contract to remove any derogatory remarks from my reports provided by consumer reporting agencies. 

The following day, I was charged {$15.00} for a credit report which is offered to me for free both by Federal regulation directly from the source. The terms of cancellation and methods of cancellation are exceedingly vague and difficult to locate within their website, the primary platform by the customer interacts with LLF. 

On XX/XX/2019, I was charged {$100.00} for credit repair services prior to see any results. As of the time of this writing, I have not received any communication from LLF or evidence of legitimate work let alone positive results. 

The claims made on their website offer services which are impossible to offer with a broad caveat that " Lexington provides the Website for your convenience '' and " any representations, promises, recommendations or inducements that may be made by or through any party ( including vendors ) found at, on, through or from the Website. '' Evidence of their predatory practices are illustrated further in the terms and conditions of the contract, only available in full once you have already paid and engaged them in work. See : " Lexington can not guarantee and you are not paying for a particular credit report outcome or result ; you are paying only for Lexingtons efforts on your behalf. '' Further, that LLF utilizes the guise of a legitimate law firm to include the prominent featuring of various attorneys throughout their front facing and back-end websites makes a mockery of the law. The implication that you might have success in repairing your credit due to case management performed by a lawyer is deliberately misleading. 

The fact that you are only able to fully assess the terms and conditions of the contract after you have paid LLF, the claims and contents of their website and their untrue or purposefully misleading representations lead me to believe they are in violation of 12 USC sections 5531, 5536 and likely many more. 

Since I am financially stable and only out {$120.00} due to the very limited amount of 'work ' performed on my behalf, I'm taking this swindling as a good lesson learned. However, many other customers may not be so lucky. As such, I am submitting this complaint primarily to warn others who may be less financially secure or perhaps desperate for help from falling victim to LLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: WA

Complaint narrative:
Please Know that I have sent certified mail letters to all three major credit bureaus for a consistent 18 months ; Transunion, XXXX and XXXX. 

Incorrect and erroneous information continues to appear. I continue to be denied for housing to basic additional credit. Specifically : * A paid-off car that I haven't owned for over four years * Collections which are not mine and were proven that I have experienced identity theft * All credit cards have been paid-off * All car debt from the past year has been paid-off * All student loans have been paid consistently for over two years, despite incorrectly showing 'default ' and loans which were clearly consolidated. 

Do know that I have sent final notices to all the bureaus with the intent to sue them in small claims court due to all the problems that they have wrought! I have followed the procedures, yet continue to be ignored. Further information includes incorrect names and addresses. 

Why do these entities have no recourse from the government? Why aren't they held liable for the damages they due to people by continuing erroneous and incorrect information? Penalties and fines must be imposed with further accountability. People should NOT have to be subject to the games they are playing!

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 2019-05-11 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Please Know that I have sent certified mail letters to all three major credit bureaus for a consistent 18 months ; XXXX, Equifax and XXXX. 

Incorrect and erroneous information continues to appear. I continue to be denied for housing to basic additional credit. Specifically : * A paid-off car that I haven't owned for over four years * Collections which are not mine and were proven that I have experienced identity theft * All credit cards have been paid-off * All car debt from the past year has been paid-off * All student loans have been paid consistently for over two years, despite incorrectly showing 'default ' and loans which were clearly consolidated.

Do know that I have sent final notices to all the bureaus with the intent to sue them in small claims court due to all the problems that they have wrought! I have followed the procedures, yet continue to be ignored. Further information includes incorrect names and addresses.

Why do these entities have no recourse from the government? Why aren't they held liable for the damages they due to people by continuing erroneous and incorrect information? Penalties and fines must be imposed with further accountability. People should NOT have to be subject to the games they are playing!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
HI I write to you today to help me find my {$1200.00} that I transfer to my wife via Western Union on XX/XX/2018, tracking number XXXX. I clearly declare to the cashier that the money needs to pick by my wife on Monday, XX/XX/2018, at any time ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX. XXXX ml from my house. On Monday at XXXX my wife announced that she could not get the money because they don't see any money. I quickly called Western Union and they apologized for any inconvenient that they cause to me and I have to return after work to get my money back. After work, I went to Western Union at XXXX and spoke to the assistant manager who advised me to call Western Union again and he spoke with them. They gave me on Monday,  XX/XX/2018, another tracking number to get the money # XXXX. I went everywhere without success. I called them again on the phone and they told me they will investigate that case for 20 business days, when I called they said I have to wait until today I called a lawyer who sent them an email, they denied the letter. Now, I was watching the news and I saw that you can help find the money that the reason I email you all the information that can lead you on the right path. 
I had all ; my police report, my receipt. When I called Western Union on Monday They told me that somebody in XXXX took the money 3 hours after I finished to do that transaction, I told them how come because I specifically said to the cashier that the money needs to deliver on Monday, XX/XX/2018. Since today I am waiting for that money, I hope that you will help me out or I. 
Thank you, XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX Thanks in advance and may God Bless you and your team.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX and XXXX  both responded immediately to remove fraudulent medical collections. Equifax has refused to allow me into my own account to dispute the accounts. I verified myself by mailing ID, SS #, and a billing statement. They still refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
The documentation Portfolio Recovery Associates, LLC, continues to send me as " proof the debt is mine '' is false under the laws of the FTC, FCRA. Again, they have no proof of my legal signature, no proof of a contract between me and Portfolio, let alone the companies they claim to have bought the debt from. The companies themselves say they have no required proof of 1 ) my legal signature, 2 ) my voice recorded by phone applying for a line of credit, 3 ) a  video surveillance of me submitting an application for credit. There is NO proof. These accounts can not be validated in any way, shape, or form. Copies of bills are not proper proof of validation. They do not hold up in a court of law. 

I have been at this since XX/XX/2018. The only thing Portfolio sends me repeatedly are the same copies of bills. Furthermore, because they have no documentation, they keep requesting I send them further documentation. Like them, there is nothing to send because these are not my accounts. They " terminate the investigation into these accounts '' because they know they have NOTHING. 

I am attaching what I keep receiving over and over again. I want these accounts removed from ALL credit bureaus immediately. This is my last attempt. Next course of action is to serve them court papers to appear before a judge in my jurisdiction where I will also request the allowed {$1000.00} per listing, per offense and per defamation of character and all legal fees which could incur upwards of {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Today is XX/XX/XXXX ( Saturday ) XXXX and I received the third call from Navient about a student loan debt. The call was around XXXX XXXX and was an actual person on the line asking for me by name. The other two calls were robocalls that I have received in the last two weeks. To my knowledge, my account has been in forbearance which is why I was surprised and also the fact that in the past whenever there was an issue usually Navient would just send an email. I have been experiencing financial issues and have been diligent about applying for forbearance if I think I may not be able to pay for awhile. 

Also, I applied for a forbearance around XX/XX/XXXX and there is no record of this in the inbox /email history segment on my account page. I believe that my account has been mismanaged and will be filing further complaints if I am charged with any added fees or if the phone calls continue. I've also XXXX them and seen that they are currently dealing with more than one lawsuit for mismanagement of students loans and for phone harassment. I applied for another forbearance today and will soon be searching for a way to switch loan servicers since I'm not satisfied with my service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have contacted XXXX 's card services executive management via email asking to contact me in regards to the poor customer service offered by Wells Fargo and have not been given a phone call. I have tried to resolve my concerns and consumer issues with Wells Fargo, in which they have not been helpful in doing so.

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 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Tenant Data Services Inc
State: WY

Complaint narrative:
XX/XX/2017, someone used my information to apply with Tenant Data. I called to figure out why and the information on the application and my real information do not match.

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 2019-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Repeated phone calls roughly every two hours from various numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
XX/XX/XXXX we purchased a ring at Sears with a sears credit card under the agreement we would have 24 months 0 % apr for a {$740.00} purchase. Well in XXXX of XXXX we get a statement showing that we are paying {$170.00} in interest. We called and were told that's an error we have 12 months left of no interest so they reversed the interest charge. Then we get a statement showing in XX/XX/XXXX we still owe {$400.00} and XX/XX/XXXX, we call and speak to a representative named XXXX that says she sees we are under a 24 months 0 % apr agreement. Yet we are paying interest every month as the statements have been showing small interest charges for random amounts ranging between $ XXXX {$7.00} since they supposedly reveresed the interest charge. When we spoke to the representative she said the statement shows no interest for this month, but we are still locked into the 24 months 0 % apr. Now we explained that if the purchase is 0 % for 24 months in XX/XX/XXXX and that is the only purchase on that card, and we are doing 30-40 dollar payments every month then by XX/XX/XXXX we should have a 0 balance. However we are finding that the statements say 0 % apr  yet the balance is still being charged an interest charge every month. We were told a solution should be there for us with in 48 to 72 hours by XXXX. However this is the second time this occurred and we have 0 confidence that a solution will happen.

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 2019-05-11 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 — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Earlier I made a complaint with CFPB regarding the fraudulent charges on the credit card ending in XXXX and HSBC was asking for a Police report which I filed already on XX/XX/2019. The Police report No. is XXXX and over all 32 charges have been reported as fraudulent amounting to {$1800.00}. They can contact the police department regarding this issue. 

So i do not have to make any kind of payments to HSBC, in fact HSBC needs to give me a credit of XXXX. 

I have marked all the fraudulent charges in the statements attached below. 

Ms. XXXX XXXX of HSBC was supposed to contact me on Monday ( XX/XX/2019 ), but she never did, I called her thousand times but to no avail. HSBC has hired some irresponsible people who do not keep up with their promises. ( Please see her email attached ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-11 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: GA

Complaint narrative:
For about the past six months I have been getting robo-calls from Hunter Warfield on pretty much a daily basis. There are two types of calls ... one does not mention any names. It says they are a debt collector and that I should call them about this debt. I have not called them back as I have been totally consumer debt free for over 10 years and my credit score is in the high 800s. 

The second type of robo-call is one asking for my ex-wife. The message is the same, that she should call them regarding an outstanding debt. My ex-wife and I divorced 17 years ago. I don't even know where she lives. 

I have only gotten phone calls. No letters. 

I have hesitated to call them back as it then becomes a " war of words. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
Hello, I have had trouble with my mortgage company. I am in a trial payment plan, that should have ended. I have made payments on time, but yet Amerihome has not granted and the payment plan on a permanent basis. They are also reporting this account late on my credit. When I asked about the modification, I was told that they have just taken over XXXX accounts from XXXX. That has nothing to do with me. I want my modification permanent that has been long overdue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My mortgage was sold once again The company that holds my mortgage presently is Ocwen Loan Services And apparently they sold my Mortgage to XXXX XXXX XXXX on the XX/XX/2019 XXXX became the new loan servicer for my mortgage and I was not notified about tis until I received this letter posted XX/XX/2019 This is against Federal Law that states that homeowners have to be notified within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc.
State: UT

Complaint narrative:
Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. 

This law was not fallowed and they are asking for {$5900.00} when XXXX says the I owe {$5000.00}. Witch is what they reported to 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 2019-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Lender states that I was able to use credits from previous school that went bankrupt, this school : XXXX XXXX  College LLC was not accredited. Which I have a letter from the new school XXXX XXXX XXXX XXXX that attests to that. So I have to start all over and in a completed different field of study, I enrolled in an XXXX program at the 2nd school which is different that ultrasound at the first school. So there was no benefit from having attended the XXXX XXXX College LLC school. They basically committed fraud in accepting students as they were not even accredited and they were going bankrupt. Now even though the loan states I am responsible for the loan, there are exceptions to that when it comes to schools closing before the education is completed and no credits being able to be transferred or accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
This is going to lead to a suggested resolution to case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a lot of credit account that are close and paid plus over 10 years on my credit report and never go away I needed to be removed from my credit reports 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 explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/XXXX, my Hyundai XXXX was involved in a motor vehicle accident where it was claimed a total loss. The insurance company paid XXXX for the vehicle, when the debt on the vehicle was XXXX. Therefore the insurance issued a check to me for the remaining balance of XXXX. 

Months later in XX/XX/XXXX/XX/XX/XXXX, as I am preparing to look at getting a mortgage. I come to find out that I was 30, 60 days delinquent on the account, Hyundai claimed I was delinquent on a remaining part. I called Hyundai and paid the amount and explained that I was not delinquent, but I wanted the problem removed from my credit history. 

Now the account shows as a charge off instead of paid ok.

Company response to consumer: Closed with explanation