vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Solidus Group LLC.
State: FL

Complaint narrative:
Received a phone call from XXXX at work from a collection agency XXXX XXXX but they did not give their name at first when calling. I told the rep I'm not allowed personal phone calls at work becuase the line was for patient 's only to please call my cell. If they have called my cell before they have never left a message to call them back. They called my work on XX/XX/XXXX, XX/XX/XXXX  and XX/XX/XXXX. Each time I told them I'm not allowed calls at work. On XX/XX/XXXX the lady from XXXX XXXX asked to speak to my supervisor so should could tell her about " how i'm acting ''. Also threatened to playback any conversations to her that she recoreded. I asked them on every conversation to please mail me validation of the debt and that I have not received anything from them and if they do have the legal right to my personal information they should have my address. They refused to mail anything or do a three way call with the suspected orginial creditor to validate who they are.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-16 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: MO

Complaint narrative:
There is a bankruptcy reported on my credit report in XX/XX/2016 that has a XXXX  balance and no additional information. I have disputed this item with all three bureaus who claim they verified the existence of the account with the courts. I contacted the courts and they confirmed that they could not have done such because they do not respond to such request, which means it should have been removed.

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 2018-05-16 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: MO

Complaint narrative:
There is a bankruptcy reported on my credit report in XX/XX/2016 that has a XXXX balance and no additional information. I have disputed this item with all three bureaus who claim they verified the existence of the account with the courts. I contacted the courts and they confirmed that they could not have done such because they do not respond to such request, which means it should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: MI

Complaint narrative:
I have initiated a correction with Transunion, XXXX and XXXX  regarding the status of a student loan that is showing 90 days past due on all three of my credit reports. I have submitted documenting twice to all three companies to show there was an approved forbearance. After the initial 30 day investigation, nothing was updated and I was told to resubmit the paperwork for all three to re-investigate. All there have requested the info for the re-investigation via mail, on line and fax. I am unable to access an account information that is sent to me, the sites keep saying my information is not correct and while speaking with each company no one seems to understand and or provide any information. When asked to speak with supervisors I am wither hung up on or transferred to a line no one answers. 

I understand that opening an investigation, the companies are supposed to investigate, when asked how they conduct the investigation they have no answer and seem to loose or misplace the documentation that is sent directly to them. The work is already done for them in providing the documentation, which I had to do to actually fix the issue. 

I have received emails from all the companies setting the dispute is completed but when I call they state they are still investigating. How can both be true? I am just looking for my credit report to be accurate. It is a shame that the reporting agencies actually have the power to provide details about an account under the guise of we investigated.

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 2018-05-16 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: MI

Complaint narrative:
I have initiated a correction with XXXX, Equifax and XXXX regarding the status of a student loan that is showing 90 days past due on all three of my credit reports. I have submitted documenting twice to all three companies to show there was an approved forbearance. After the initial 30 day investigation, nothing was updated and I was told to resubmit the paperwork for all three to re-investigate. All there have requested the info for the re-investigation via mail, on line and fax. I am unable to access an account information that is sent to me, the sites keep saying my information is not correct and while speaking with each company no one seems to understand and or provide any information. When asked to speak with supervisors I am wither hung up on or transferred to a line no one answers. 

I understand that opening an investigation, the companies are supposed to investigate, when asked how they conduct the investigation they have no answer and seem to loose or misplace the documentation that is sent directly to them. The work is already done for them in providing the documentation, which I had to do to actually fix the issue. 

I have received emails from all the companies setting the dispute is completed but when I call they state they are still investigating. How can both be true? I am just looking for my credit report to be accurate. It is a shame that the reporting agencies actually have the power to provide details about an account under the guise of we investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Care Credit XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: MA

Complaint narrative:
I am currently the homeowner of XXXX XXXX XXXX in XXXX, Massachusetts XXXX. I have been seperated from my estranged husband since XX/XX/2015. We currently still own the home together. I have applied for a loan modification since I have fallen behind on my mortgage payments. In a conversation yesterday with a Customer Service member XXXX who claimed she did not have a last name or identification number, she told me I needed additional information to process my application. When I asked for the information in writing to forward to my estranged spouse, XXXX told me she was not sending me any further correspondence and claimed the information was on the previous correspondence which it was not. I asked to speak to a supervisor who did not return my calls. I submitted all of the information they asked. If they require additional information a detailed letter should be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PARKSIDE LENDING, LLC
State: CA

Complaint narrative:
My wife and i refinanced in XX/XX/2018, and our loan started being serviced by Parkside Lending in XX/XX/2018 .The mortgage was transferred to a new servicer XX/XX/2018 XXXX XXXX XXXX .We are in the process of obtaining a home improvement loan, and when our credit report came up it appears we have two open mortgage accounts. This incorrect information is causing a credit hardship. The credit report should indicate the Parkside Lending account as closed since it has been transferred to XXXX XXXXXXXX XXXX, our new mortgage provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I recently refinanced a 1st mortgage with Nationstar ( now Mr Cooper ) and a LOC with XXXX into a single mortgage. Being in Florida, and having suffered damage due to Hurricane Irma, I took advantage of the XXXX XXXX loan forbearance on the Nationstar mortgage and was in the process of deferring my XXXX, XXXX, and XXXX loan payments. I was told that we would then discuss what would be done and either pay all to bring it up to date or somehow adjust the payments going forward. The refinance process took forever. We started the first week in XXXX and the loan didn't fund until XX/XX/XXXX. Herein lies the problem. Nationstar was greatly responsible for the delay in the refinance as they were not able to reply or get paperwork out in a timely manner. NOW Nationstar is reporting to XXXX  that I had a 90 day past due payment. They are saying the entire amount of the 3 payments was due on XX/XX/XXXX. My ex-wife was still on the loan with me and they are reporting the same on her credit. Each of us had excellent credit before this ( over 750 ) and now have credit in the low 600s. Nationstar is not replying to complaints that we have filed and is not returning phone calls. ADDITIONALLY, they did not send me my escrow balance until I had to call and ask for it, 2 months after the refinance funded. We just need someone to help us. I plan on buying a car in the next few months and this credit error is going to make that more difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CitiCards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dream Center Education Holdings
State: NY

Complaint narrative:
# XXXX The company is collecting on a dept that was I was manipulated into taking by XXXX XXXX XXXX XXXX XXXX XXXX. All of my federal loans has been placed on hold concluding this investigation. I have attached documentation that directly depict me as a victim. I can't afford to pay back the loan as I am a full-time student and work part-time. XXXX is supporting fraudulent activities by forcing me to pay back something my family and I were manipulated into taking. 

Password to access secured document below : XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: PA

Complaint narrative:
to whom it may concern while checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. this is a violation of the fair credit reporting act section 1681b ( c ) .this is a serious breach of my privacy rights you have been notified on many occasions and my report was on fraud alert and you continued to ignore

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 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Regarding XXXX Company claims it has responded, but I have received no response

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 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Bank / XXXX XXXX XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Total Card, Inc.
State: NY

Complaint narrative:
In XX/XX/ I logged into my XXXX XXXX  account to make my monthly payment. I was shocked to see that my balance was over {$1200.00} since my credit line is only {$300.00}. I looked through the trasnactions and discovered that most of them were not mine. 
I immediately called XXXX XXXX and told them what I had found. I meticulously went through each transaction with them on the phone and told them the ones that were not mine. 
In addition to these trasactions I also discovered that my address had been changed to XXXX XXXX. 
XXXX XXXX obviously had blended my account with someone else 's account. 
I was never noticified of the addresss change nor of any increase in my credit line- which is the normal custom of XXXX XXXX. 
This is how I know that this is all an error on their part and NOT identity theft, Now today XX/XX/XXXX, I received a letter from XXXX XXXX demanding that I file a police report and submit a list of unauthorized transactions. They say that I have only 25v days from the post mark of XX/XX/XXXX to comply or they will dismiss my complaint. 
Forts of all, I ALREADY gave them a list of the invalid transaction. Secondly, my local police department will NOT write up a report for a credit card company that made a clerical error. 
Thirdly and most importantly, I am XXXX and can not do all that they are demanding withing the short time I have left. 
I have already reported this to them but they are ignoring that. 
XXXX XXXX is making NO apttempt to correct their error and now they are demanding thaat I pay for these unauthorized charges. They have already posted them to my account with an increased monthly payment. 
I need CFPB 's help. I WILL NOT pay these unauthorized charges nor can I comply with what they demand from me. XXXX XXXX made NO attempt to tell me I was {$900.00} over my credit limit nor did they stop authorizing those charges. In addition I have been charged interest on purchases I never made and also charged returned check fees for checks that I never had returned. XXXX XXXX has created this mess and THEY should be the ones to untangle it. NONE of this is my fault and they are forcing ME to clean up THEIR mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: MA

Complaint narrative:
XXXX XXXX, amount of {$470.00}. I have disputed this account with Experian, XXXX and XXXX as does not belong to me. XXXX and XXXX has removed this account from my credit report and Experian has not. I have contacted Experian and disputed this with Experian and have ask Experian to dispute this account and remove it as it does not belong to me. I also have sent XXXX XXXX a debt validation and XXXX XXXX has not responded at all.

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 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
THD / CBNA has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: NJ

Complaint narrative:
A couple months back I took out a {$1100.00} loan from XXXX. Since then, over {$3000.00} in payments have been made to the company. I know have a balance of {$1800.00} due to 2 returned payments and their interest rate of over 700 %. I called to see if a settlement on the loan can be made, although I paid beyond the principal balance and they are an illegal entity. They denied any option of a settlement. 

- 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 2018-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hello, Back in XX/XX/2017 I had went into a location and used my debit card to make a one time purchase. After weeks went by the third party merchant started taking reoccurring funds off of my debit card without my consent. I didn't sign any contracts authorizing this. Bank of America refunded my funds in the beginning but then a few weeks later my funds were taking back from Bank of America, they inturn told me that it was my word against the merchant. Please Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC
State: AZ

Complaint narrative:
I recently started to check my credit, and noticed some collections on my report. I paid a credit repair company to address the matter .XXXX started sending letters on XX/XX/2017 to Preferred credit has not responded about the # XXXX as well .I would like them to show a wet ink signature that we indeed have a contract, if not remove this from my credit report, because it is reeking havoc on my ability to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: VA

Complaint narrative:
I have been disputing an error ( XXXX XXXX ) on my credit report since XXXX. The other agencies have resolved it but Equifax refuses to nor will they provide me any documentation showing the debt is mine. I am trying to obtain a mortgage and now XXXX has changed the date to show the account was opened on XX/XX/XXXX. I have repeatedly filed disputes with Equifax since XXXX and I do not believe anyone is even investigating. Something since XXXX should be resolved by now. I can not believe they changed the date like that with NO proof or documentation? I am upset as this is affecting my interest rate over a debt that I do not owe. I do not want to to go through this for another 10 years.

Company response to consumer: Closed with non-monetary relief