vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: HI

Complaint narrative:
For several months we have tried to get in touch with our " lender '' ( our original lender was XXXX XXXX, who transferred the loan to selene finance, the company we are having issues with ). Daily calls are not returned, the one officer in charge of our case does not reply or answer despite messages left constantly. We are automatically patched to her number when dialing in, as she is in charge of the case, and also automatically patched through to her voicemail as she is never in the office during her stated business hours. We had an offer to buy the house over value and needed to get approval due to our status on the loan, and they did nothing until the buyer rescinded the offer. This is unacceptable. We should be signing documents to put the house under contract, but because selene finance would not follow through on their end we are back on the market without a buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Spoke w XXXX XXXX XX/XX/19 XXXX XXXX cat at TransUnion. Refused to remove unauthorized inquiries from XXXX, XXXX XX/XX/19, XXXX 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 2019-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
I had a auto loan with XXXX financial, XXXX without any knowledge to me sold the debt to Jeffeeson capital for {$9200.00}. I was never contacted by Jefferson capital by phone, mail or any other means. I called XXXX because i totaled the car. They advised me that i needed to contact jeffeeaon capital So when i did i was told that ibowe the in excess of XXXX more that the car was every worth i ask forba brake down of the charges and was hung up on i called back for clarification asked for a manager and was told no one was available. I contacted XXXX against because i know i didn't owe them this amount when it was explained that they sold the the debt only for whatbwas owed XXXX not XXXX what Jefferson capital is trying to collect from me without explanation!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered a negative mark ( rental history collection in the amount of {$3100.00} ) on my credit score as inaccurate because I satisfied the requests by then XXXX XXXX XXXX. I was asked to provide a XXXX notice ( to be notarized by a state certified individual ) and pay a reletting fee equal to XXXX rent due in order to relocate for work and school. I requested XXXX, leasing agent from XXXX XXXX XXXX XXXX, to confirm the original collections agency the alleged debt was sent to. She confirmed collection was sent to XXXX XXXX XXXX XXXX ( phone number XXXX XXXX ) XX/XX/XXXX. I reached out to XXXX XXXX to verify the information provided to me and a representative confirmed the alleged debt and information related to my file was never received. 

I followed up with XXXX XXXX XXXX ( the reported agency reflected on my report ) to verify they received the collection as reflected on my credit report. I spoke with a representative who alleged the debt was received between XXXX and XXXX of XXXX, no specific date provided. I requested XXXX XXXX Services provide all documents pertaining to my file ( invoice, breakdown of costs/fees incurred, proof of receipt of reletting fee paid, copy of lease agreement and copy of XXXX notice ) via email by XX/XX/XXXX and never received the requested documents. Because of their unresponsiveness and inability to provide the documents needed to dispute the alleged debt to the major credit bureau , I am filing a complaint to the CFPB to mediate the removal of  this item from my Equifax credit report in order to accurately reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I made my XX/XX/XXXX payment on the last day of the month ( XX/XX/XXXX ) through the servicer 's website, which routes you to XXXX to process the transaction. The payment date that prefilled in that payment information screen was XX/XX/XXXX and the confirmation page again confirmed a " payment date '' of XX/XX/XXXX. However, the servicer credited the payment effective XX/XX/XXXX despite the confirmation provided through their vendor 's website and they are unwilling to honor it or correct it. They stated that regardless of the payment date confirmed through the speedpay transaction, there's a box that you click on which has a list if disclaimers about the cut off time to process your payments same day. No one is going to look through all these hidden disclaimers to find that information. Consumers are going to go off of the payment date that you are allowed to enter when processing the payment. All other creditors pre-fill that date to the following business day if the transaction is after the cutoff but not Carrington. This is a disconnect between the servicer and their vendor ( which they're still on the hook for ) and rather than fixing the issue and correcting it going forward, its easier for them to reject any liability for the error. Bottom line is that if the payment is being made after their cut off, the payment date made available to the customer should not reflect an incorrect date, it should automatically flip to the next business date so there's absolutely no confusion. This is unfair and deceptive business practices which is confusing to their customers, yet they fail to acknowledge that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX my employer notified me that an earnings and wage order ( EWO ) had been received and that my pay was going to be garnished. 

I was shocked, horrified, and dismayed because I was unaware of owing money. 
Once I received the information form my company 's payroll department ; I began trying to go back to the beginning to reconstruct or make sense of how the EWO was issued. 

It turns out that Capitol One sold my old debt from approximately XX/XX/XXXX to a third-party debt collector, which proceeded to retain legal counsel who a filed a claim, went to court, and won a judgement against me ; I had no knowledge of this court hearing because I was never notified or served in-person or via US mail. 
I called the phone number listed on the documents I obtained from my employer 's payroll department to make inquiries but was not helped or given any useful information. Yet, I was persistent and finally was successful obtaining documentation of the original amount of the debt owed to Capitol One, all types of fees ( which the person who took my call could not understand in order to explain ), money that had previously been levied from my bank account, and the alleged proof of service, which was fraudulent. They proof of service was given to a white female ; I live alone, am an emptynester, who does not have a roommate!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: OH

Complaint narrative:
I have a late payment showing on my credit report that doesn't below to me. XXXX XXXX authorized User account. This is a closed account that I am not financially responsible for please remove the negative item immediately. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a late payment showing on my credit report that doesn't below to me. XXXX XXXX authorized User account. This is a closed account that I am not financially responsible for please remove the negative item immediately. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!

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 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I disputed one claim with Transition about my XXXX XXXX card balance now being XXXX. They corrected it, but won't close the claim and they only allow one dispute at a time. My XXXX   XXXX ( XXXX ) needs to be disputed also because this also has a balance of XXXX and XXXX   said they reported it, but TransUnion has not updated the reflected balance of 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 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. XXXX XXXX  account the was closed for XXXX XXXX XXXXXXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 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: OH

Complaint narrative:
I have a address showing on my credit report that doesn't belong to me.. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX please remove the XXXX XXXX XXXX from my credit report. I am never lived there.

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 2019-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
I was refinancing my existing Mortgage with XXXX XXXX of Arvest Central Mortgage. I was told that to lock the rate that an application needed to be completed and that I needed to have all three credit bureaus run by Arvest Central mortgage. On Wednesday XX/XX/2019 I informed XXXX XXXX that I had unlocked my third credit bureau ( XXXX ), he then informed of the current rate I would be locked at and then we discussed whether or not I would roll mortgage fees into the mortgage, come out of pocket for cash, etc., however I believed that my rate was locked for a XXXX year fixed rate mortgage at 3.375 % with no points to close ( actually a XXXX rebate point would be paid to me of a {$450.00} lender credit ). In my e-mail sent on XXXX XXXX PST I told him that I was fine with whatever mortgage balance would result in the refinance being a non-cash event for me ( no money out of pocket ). He sent me a final e-mail indicating that what I said made perfect sense on XXXX XXXX PST ( XXXX XXXX his time ) and that he would see if he could get an appraisal waiver. At this time I thought I was locked. The next morning XXXX emailed me with " today 's pricing '' which was much higher and indicated additional cost of {$1300.00} for me to get the same 3.375 % rate I was offered the previous day and believed I had locked. Please see the XXXX email strings attached that detail what I have just stated. I just want my 3.375 % fixed for XXXX years at the pricing they told me I had on Wednesday the XXXX. I did everything they asked which was fill out the application and run all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a Chase Freedom Credit Card in an around XX/XX/XXXX. In XX/XX/XXXX, Chase closed my account. Since this time period, Chase has been unwilling to work with me and has consistently provided me with rude customer service. Several times they had claimed that payments were returned due to my bank accounts being restricted. I have checked with all financial institutions with whom I am an owner of an account and have confirmed there were no restrictions and all my accounts that I have provided to Chase to make payment are open and active. Due to the difficulties imposed by Chase on paying this account,, I requested a settlement on this account, beginning in XX/XX/XXXX. My requests were repeatedly denied, as well as several attempts at a payment plan. In XX/XX/XXXX, I entered into a Settlement agreement with Chase regarding this account, in the amount of {$2800.00}. It was my intention to pay this account off by XX/XX/XXXX. Due to Hurricane Dorian possibly making landfall over Florida and that I work in the tourism industry, my finances were severely affected because if business becoming slow, lack of hours etc. I contacted Chase on XX/XX/XXXX to see if I could move payments back to XX/XX/XXXX, with a final amount due being paid by XX/XX/XXXX. My request was denied and I was told that if I do not pay the entire balance by XX/XX/XXXX, my account will be charged off early and Chase does not have to wait the normally required 90+ days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I had a auto loan with bridgecrest financial, bridgecrest without any knowledge to me sold the debt to XXXX XXXX for {$9200.00}. I was never contacted by XXXX XXXX  by phone, mail or any other means. I called bridgecrest because i totaled the car. They advised me that i needed to contact XXXX XXXX  So when i did i was told that ibowe the in excess of XXXX more that the car was every worth i ask forba brake down of the charges and was hung up on i called back for clarification asked for a manager and was told no one was available. I contacted bridgecrest against because i know i didn't owe them this amount when it was explained that they sold the the debt only for whatbwas owed XXXX not XXXX what XXXX XXXX  is trying to collect from me without explanation!

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 2019-09-19 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: OH

Complaint narrative:
I have a address showing on my credit report that doesn't belong to me.. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX please remove the XXXX XXXX XXXX from my credit report. I am never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a address showing on my credit report that doesn't belong to me.. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX please remove the XXXX XXXX XXXX XXXX my credit report. I am never lived there.

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 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
On XX/XX/2019, I applied for a XXXX  ( XXXX  ) credit card and was told it needed further processing. I recieved a letter from XXXX, that a security/credit freeze was put on my account. I NEVER authorized a credit freeze with Sagestream. I never heard of them till I got the credit denial letter. I tried to contact/dispute this by calling, ( no one answers ) .going to web site ( unsuccessful ). They want to to faX personal information to them in order to help me. I will nto

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Back in XXXX when my Mortgage was transferred I made my XXXX payment in XXXX and also spoke to someone about a payment arrangement for XXXX months. My payments are {$620.00} and my regular mortgage payment is {$470.00} and after making my XXXX payment of {$620.00} on XX/XX/XXXX I am be harassed about a XXXX payment their telling me I should have paid the XXXX payment the end of XXXX. Now, the XXXX payment should be included in the XXXX month arrangement. Thats why I am paying more for XXXX  months and if I had paid the XXXX payment my mortgage would be caught up cause I gave them a payment on XX/XX/1919. This is very confusing. I can afford my mortgage I just cant afford this business trying to get more money and I only am able to make a mortgage payment once a month

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 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc.
State: FL

Complaint narrative:
Cancelled membership in XXXX 2019 and notified company by phone call and mail to STOP taking money out of my bank account after XXXX 2019. I'm owed a refund for any months taken without my consent after XXXX 2019 2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: TX

Complaint narrative:
THE DATA BREACH WITH EQUIFAX CAUSED SOME ITEMS TO SHOW UP ON MY CREDIT REPORT SLOWING TAKING IN THE REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: CA

Complaint narrative:
On XX/XX/2019 Equifax reported a hard credit inquiry on my report. I had just finished an employment background check from the XXXX XXXX XXXX Department [ XXXX XXXX in California. When I discovered this, I went to XXXX XXXX XXXX XXXX Department and spoke with the XXXX XXXX XXXX XXXX XXXX there who assured me that he communicated with Equifax to help satisfactorily handle this matter. Regardless, Equifax as of today XXXX is still listing a hard inquiry from XXXX XXXX XXXX Department. My claim or customer # with Equifax regarding this matter is : Case # XXXX Credit File # XXXX XXXX  last followed-up with Equifax on XX/XX/2019 to no avail. They simply refuse to delete /remove the inquiry even when requested to do so by XXXX XXXX What are my options, should I hire an attorney to make them comply with the law and stop reporting erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collection Bureau of Kansas, Inc.
State: KS

Complaint narrative:
I have repeatedly tried contacting this creditor after he continued to call and harrass me even when I had set up a payment arrangement online to get this debt settled once and for all. This debt is more than 10 years old and he continues to try and sue me for it. The last time I had a dealing with them they would call me and I would call them back and try to negotiate with them and they would tell me I am in garnishment status so there is no negotiating with them. This was after I had already paid over {$370.00} to them to get them off my back. They continued to try and get my employment information and bank information and when I wouldn't give it to them they would hang up on me. They refused to take any reasonable payment plan I had to offer them so even when I agreed to the amount online it wasn't good enough and they kept telling me I was in default and in garnishment status and they wouldn't let me negotiate any reasonable solution. They just continued to hang up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation