vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
My husband XXXX XXXX and I didnt receive a proper notice, my XXXX XXXX XXXX has XXXX illness, that reason why The was behind for three months due to his condition, and struggles to pay the mortgage, XXXX XXXX is the kind of community property interest holder, I did not given a chance to fight in the court, I am legally authorized of XXXX XXXX property, we been married for XXXXyrs, Yes the loan I was not included my names but is the community property, but the land is both our names, I was paying the bills as a taxes of the house, this our community togetherness of My husband XXXX XXXX, the Vanderbilt morgage company is excuses the want the house so they can sold below the market value, and put the balance of the loan to me, that they didnt given me a chance to negotiate to take over the loan, now I become a homeless due to thier negligence for this business practices, I can take over the payment so but they didnt given me a chance, me and husband paying the mortgage for 20yrs for the interest of XXXX percent, they already get back the amount of money for loan XXXX home, on our difecult time they can not make exception to us, the loan leaf is only 5yrs now to be paid, they dont one even given me a resolution, my families super right now stressful life because no home. When I find out there a default Judgment of my husband on XX/XX/2019 : even he already passed away, I file the motion set aside default judgments, and the judge told me is late now because is out of jurisdiction, how could be I just find out, the judge never ask when I found out the defecult judgments, XX/XX/2019 know about it, our court system/ justice systems is not fairness to the consumer, they favor more in a big corporation because of the donations of thier compaign contribution, they dont care about us, super with no home he never looked at the our situation, or maybe if can afford the lawyer I file lawsuit, but can not right now I can justify, if I can not given me chance it easy for them to place the default Judgment on my land so I will super more, they already take away my home I become homeless right now. Pls help me to resolve this situation is very unfair to me., I am authorized of my Husband property is  community property I am intitle of all next kein,

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 2019-10-22 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: GA

Complaint narrative:
These accounts were previously deleted from my credit report as reported on Consumerfinance.gov website, Equifax has reinserted these fraudulent accounts and this has caused harm to my credit standing. Im asking to have these accounts removed as previously reported to the CFPB. 

XXXX XXXX XXXX {$14000.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
UNAUTHORIZED ACCT XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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: FL

Complaint narrative:
I have previously had this complaint with this company for the same exact thing and they continue to cause me to be in a category of a consumer with bad credit and I am not, this is hurting my financial options.I currently have a public record reporting and the bureau has informed me that they validated this information with XXXX XXXX a third party creditor. I have since called XXXX XXXX and have been informed that they have nothing to report to the bureaus regarding any public record. 

I believe that this company is trying to avoid properly re-investigating my dispute because they know it will result in a deletion on my credit record. Please do not allow me to suffer because of being misrepresented to the creditors. I am also a victim of identity theft, which is another reason I am concerned about this false reporting.

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 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I contacted the merchant, Conns at XXXX on XX/XX/2019 via automated service and it stated my payoff amount was {$3200.00} therefore, I made a payment for {$2000.00}. Next day, XX/XX/2019 I contacted merchant again and spoke with a live representative and she verified payment of $ XXXX made and confirmed remaining payoff amount of {$1200.00}. I paid {$1200.00} on XX/XX/2019 via automated service. 

A few days later, I contacted merchant again and spoke with a live representative and now they confirmed payoff amount was paid {$3200.00} and I would receive letter stating account paid off, XXXX balance remaining, account closed and late payment error would be removed from my credit report. 

I have since called merchant several times and now they are stating I have a remaining balance of {$290.00} needed to payoff account. This merchant is clearly guilty of Deceptive Trade Practices Act which is clearly ruining my credit, Please assist in resolving this matter as soon as possible.

Sincerely, Frustrated Consumer

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 2019-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Midwest Recovery Systems
State: DE

Complaint narrative:
Midwest Recovery Systems ( XXXX XXXX ) are showing that I applied and was approved and money was deposited to a account belonging to me in the amount of {$660.00}, which has NEVER happened! No funds have been added to my account by XXXX XXXX nor do I owe this company ANY MONEY. 

My credit report shows the opening of this account of {$660.00} and that there has never been a payment made on it since funded starting from XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. WHY? Because its not a valid funding. I have never borrowed, used, signed a agreement stating I wanted or received funds Anytime in XXXX. Period. 

I have disputed this with the credit bureau and this company is indicating that this account is valid when its impossible! I have NOT applied or received funding from XXXX XX/XX/XXXX. I have NOT authorized this company to access any of my information. 
____________________________________________ I have tried calling this company, sent a letter to this company to clear up these inaccuracies but I cant seem to get anywhere, I just get the run arounds, either they cant find my info or I cant understand the language spoken by the representative, or not listening to my concern too busy attempting to give me a loan ( selling ), etc. 

I filed an dispute with the credit bureau but my results say that the company just report that the info is accurate. When its absolutely 100 % inaccurate. 

Credit report says it will stay on my record until XX/XX/XXXX but should have never been on my credit in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: WI

Complaint narrative:
I have been complaining to Equifax for over a year about errors on my credit file. I submitted a request for verification method dated XX/XX/XXXX mailed to equifax onXX/XX/XXXX was received by equifax on XX/XX/XXXX stamped by XXXX XXXX under certification # XXXX XXXX. The company failed to respond to my request instead sending me a new letter showing my complaints were verified as correct. These items public record XXXX filed XX/XX/XXXX at U. S. Bankruptcy court XXXX, Wi. & Public record XXXX dated XX/XX/XXXX at U. S. Bankruptcy court XXXX wi..To date XX/XX/XXXX I have not received a response to my request. I contacted XXXX & was told they had not supplied any information to Equifax. I also contacted the U. S. Bankruptcy Court see attached, who advised that they had not submitted any data to Equifax and they do not place data on any credit files. Equifax continues to sidetrack my request for information for the Method of Verification in violation of the FCRA guidelines. Accordingly FCRA guidelines required the information be supplied to me within 15 days. Equifax is in clear violation of FCRA rules and guidelines. I am requesting the company immediately be held in violation for failure to follow FCRA guidelines. Equifax should immediately remove any incorrect data from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
XXXX KEEPS TRYING TO COect money for an account I never signed a contract for or a property address I have no affiliation to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX is not mine and I never have anyone authority to sign for me I asked XXXX for copies of the contract they denied me And my address at XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX charged me 1 year after I was out of contract I emailed them over and over telling them to stop billing me and my service contract needed and I did not want to remark

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management prey on OLD people! I have asked MCM-Midland Credit Management the said company namesbelow to prove consent and they can not. They refuse to cooperate by mailing or giving me the consent they claim was given to charge my account. I want to sue and receive the monies fraudulently taken from my checking account by the company Midland Credit Management or MCM or Midland Funding LLC or Encore Capital Group , Inc. who unlawfully without consent took {$7500.00} from my checking account. The representative from the company said that they have the consent on a recorded line ; I asked MCM to prove the consent and can not. They can not prove the consent!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX # XXXX. I have been using a Walmart credit card for purchasing supplies for my business now for over a year and I have never missed a payment. Recently Capital One took over the Walmart accounts and on a few occasions within the past week I tried to use this card and it was declined. I thought I may have gone over my spending limit so I made payment on Monday XX/XX/2019 at a Walmart store in the amount of {$500.00}. I then tried to use the card and it was still declined. I called customer service the same day and was told that my social security number didnt match and they would need me to upload my driver 's license, bank statement, and social security card. I did all three uploads and was told they received them. I explained I have two credit cards through Walmart and one I use for business the other personal. I even uploaded a business bank statement. They are still claiming that it doesnt match. How much more information do they need? Ive been a card holder for over a year with Walmart. I'm also a card holder with Capital One. They won't give me names all I know is the fraud department is handling my case and I've included the case number at the top of this report. The last person I spoke with was today XX/XX/2019 he stated they were sending a letter for me to write a letter! I explained I sent all the documents they need and I still have no RESOLVE. The person I spoke with today only gave me his ID number as XXXX. I also know that my account has been suspended since XX/XX/2019. I hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: FL

Complaint narrative:
I have previously had this complaint with this company for the same exact thing and they continue to cause me to be in a category of a consumer with bad credit and I am not, this is hurting my financial options.I currently have a public record reporting and the bureau has informed me that they validated this information with XXXX XXXX a third party creditor. I have since called XXXX XXXX and have been informed that they have nothing to report to the bureaus regarding any public record. 

I believe that this company is trying to avoid properly re-investigating my dispute because they know it will result in a deletion on my credit record. Please do not allow me to suffer because of being misrepresented to the creditors. I am also a victim of identity theft, which is another reason I am concerned about this false reporting.

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 2019-10-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2019, I filed a dispute number XXXX with Equifax Credit Bureau to start an investigation into an inquiry placed on my credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. # XXXX, XXXX XXXX, NV XXXX, XXXX. XX/XX/2019, the results came back stating that " inquiries are a factual record of file access. '' I assume this means that the information gathered by Equifax Credit Bureau was inconclusive to overturn the removal of the inquiry. In the letter, they provided me with the creditor 's name, address and phone number which was an option for me to contact XXXX directly. On XX/XX/2019, I contacted XXXX XXXX XXXX directly at XXXX. I spoke to a representative and was transferred to the Owner Services Department. After giving them details for the reason of my call, I was given a phone number and was ask to call the Recovery Services Settlement Department at XXXX, leave a message and they would return my call. This all started when my wife and I attended a time share presentation on XX/XX/2019 in XXXX XXXX, SC. I didn't sign nor authorized anyone to pull my credit but by the time I got home I noticed the unauthorized inquiry by XXXX XXXX XXXX on my report. I decided to file a second complaint with Equifax. The dispute number XXXX was filed on XX/XX/2019. As a result, I have been unsuccessful getting this unauthorized inquiry removed by Equifax Credit Bureau and XXXX XXXX XXXX. Your assistance will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS WERE NOT AUTHORIZED BY ME, PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SO MANY DAMAGE TO MY FILE. I AHD NO IDEA THOSE ACCOUNTS WERE PLACED ON MY FILE, PLEASE CONDUCT AN INVESTIGATION AS SOON AS POSSIBLE.

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 2019-10-22 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS WERE NOT AUTHORIZED BY ME, PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SO MANY DAMAGE TO MY FILE. I AHD NO IDEA THOSE ACCOUNTS WERE PLACED ON MY FILE, PLEASE CONDUCT AN INVESTIGATION AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/2019 Synchrony Bank pulled my XXXX XXXX Credit report for a Pay Pal credit card. I have sent numerous letters to the company right after I was notified via XXXX asking questions in regards to that inquiry. I have received response from the company several times, however nobody can seem to answer my questions as to why, who, how or for what reason my credit was pulled. its been now over 6 months and I still have no answers. with the last letter received earlier this month by a company rep named XXXX XXXX who told me they would like to resolve this issue, I have tried to call twice and left voicemail each time. I have not heard back yet and it has been a week now. They have been stonewalling my requests and are not forth coming whatsoever at this point. I have a screenshot of the credit inquiry from XXXX as proof as well as a copy of my XXXX report. I am annoyed at his moment with the lack of responsibility this company shows.

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 2019-10-22 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: MD

Complaint narrative:
I can not dispute item and my report has duplicates where they pages are repeating themselves and appears to be very long

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 2019-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The statement stated that I had to pay a certain amount in order to avoid accrued finance charges, which I paid. 
The statement is not clear, because I have three promotional statements, and because I only paid the full amount for what I read, the minimum for the other two accounts were taken from the monies that were allocated for the first promotional statement, leaving it short a few hundred dollars, which as a result, accumulated over {$2700.00} in interest. 
The way the statement is presented is confusing so that consumers get tricked into not paying the full amount. If they look at the account, it clearly shows that the intention was to pay in full and avoid the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase started an escrow account for my condo association insurance. To be clear, they placed an escrow on my account to require me to pay escrow for the entire building. Last year they asked me for proof of coverage and I submitted the condo association policy, which covers my unit, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX and the three other units in the building. 

I have called repeatedly. Their people are uninformed and rude. No bank is allowed to effectively force place insurance for an association on a mortgage customer who only owns one unit. They are supposed to confirm that I have coverage. I have coverage through my condo association and I have an excess coverage policy. 

Chase has caused me significant stress and strain, because they do not know how to service flood insurance. The front line team and the escalation team ignore communications. I have sent them supporting documentation and they ignore it. Finally, customers who do agree to escrow on mortgage are given discounts. I don't have any discounts and all insurance on my home has been paid in full. I need Chase to give me back my money and fix this so it doesn't happen again. Dealing with Chase on this matter has been exhausting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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: MD

Complaint narrative:
I can not dispute item and my report has duplicates where they pages are repeating themselves and appears to be very long

Company response to consumer: Closed with explanation