vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: The J. G. Wentworth Company
State: NY

Complaint narrative:
I sold my structured settlement payments to JG Wentworth. In XX/XX/XXXX I received a settlement of $ XXXX/month for 25 years ( from XX/XX/XXXX to XX/XX/XXXX ) and a lump sum payment of {$500000.00} due to me in XX/XX/XXXX. In XX/XX/XXXX I sold 36 payments for {$75000.00}, in XX/XX/XXXX I sold 24 payments for $ XXXX, in XX/XX/XXXX I sold 60 payments for $ XXXX, in XX/XX/XXXXI sold 36 payments for $ XXXX, in XX/XX/XXXX I sold 48 payments for $ XXXX, in XX/XX/XXXXI sold 83 payments for $ XXXX. I feel scammed, violated taken advantage off ripped off by this company and their lawyers. They took out a lien on my XXXX  XXXX in XX/XX/XXXX claiming I owe them XXXX they sent me papers to appear in court in XXXX ( i live in the XXXX ny ) so I couldn't go because I couldn't afford a plane ticket and a lawyer and was bankrupt. I lost by default. In XXXX I tried to sell my XXXX to jgw but was told by a XXXX XXXX that he didn't want it so I tried XXXX, they told me we have a great relationship with jgw and will ask them to release the lein in california against your XXXX so we can buy it from you. I signed many papers from a California law firm and courthouse that I didn't understand. XXXX bought {$450000.00} from the {$500000.00} in XX/XX/XXXX and gave me {$170000.00} minus {$19000.00} I had to pay back to jgw. The only transaction that was approved by a judge was the last one, none of the $ XXXX monthly payment transactions were approved or seen by a judge. Please contact me for more information, I have copies of the contracts. Please help by reviewing contracts for wrongful doing, rip off etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND HAVE IDENTIFIED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED MASSIVE HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AT YOUR EARLIEST CONVENIENCE.

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
one inaccurate bankruptcy is reporting under equifax credit reports of mine, this is a complete inaccuracy that is reporting gunder equifax, i have never had a public record filed. please find attached the documents that i have received and specifically shows that i have no public records what so ever, please make my complaint and proceed to having equifax remove this inaccuracy reporting cause they a re not helping me in this case and are not helpful at all, disputing inaccurate and wrongful way and very much disrespectful thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My wife and I sent investigation requests to the credit bureaus on XXXX XXXX. We were supposed to receive the results within 30 days. She did, but I did not.

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 2019-05-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I was contacted by GM Financial on XX/XX/19 in reference to a XXXX XXXX and XXXX XXXX. Both of these vehicles I have leased from GM Financial for the past 3 years. These vehicles were given back to the dealership when we purchased new vehicles in XX/XX/2019. I was informed by a collection representative that my XXXX XXXX was 38 days past due and has negatively impacted my credit. I was then transferred to a Loss Mitigation representative, XXXX who was unable to assist me since I was supposed to be transferred to the End of Lease department. Once I finally got to the End of Lease department, XXXX advised me that both the XXXX XXXX and XXXX XXXX were not paid off and confirmed that the XXXX did impact my credit. She then advised me that the XXXX XXXX was 25 days past due and going to report if payment not received. I advised XXXX that both vehicles were returned and I did not have ownership of these vehicles anymore. XXXX advised this is not what was showing in there system and she could not assist me. She advised I would need to contact the dealership. I contacted the dealership and received copies of the cashed checks along with the Remaining Lease Obligation Quote from GM Financial. Both vehicles were paid the correct amount on XX/XX/19 and both checks were cashed on XX/XX/19 however ; I am still being impacted. I started getting daily collection calls until I requested my cell phone number to be removed. I still get daily emails advising me that my account is delinquent and I need to contact them immediately. I have provided all of this information to GM and it is still impacting my credit as a consumer. I do not go past due on my bills and work in the same industry. I understand how important credit is and am extremely frustrated I can not get this resolved. The dealership has done what they needed but I can not get GM to fix this error. During a conversation with my spouse, an agent advised him that the payment for the XXXX XXXX was received and it was posted to the wrong account. We asked them to stop the reporting on our credit until this was resolved and advised this could not be done. I find it hard to believe this can not be done when it is the company that made the error not us. I need to get the collection activity to stop on these vehicles and know that this is resolved so that I can sleep at night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian. My credit card balances are incorrect for 2 months. I contacted Experian XX/XX/19. Customer service representative said it was the credit card responsibility to provide the information. The credit Card company, XXXX said it's Experian, XXXX and XXXX   responsbility. My credit is down to 30 % from 95 %, but still shows 95 %. I want to lease a car, but can not with my terrible credit score.

TransUnion. I tried to speak to someone to make corrections, but got disconnected. Also on XX/XX/2019.

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My wife and I sent investigation requests to the credit bureaus on XX/XX/XXXX. We were supposed to receive the results within 30 days. She did, but I did not.

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 2019-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accounts Receivable Consultants Inc.
State: TX

Complaint narrative:
Received a call from Accounts Recievable Consultants, representative XXXX XXXX ; was extremely rude, as I was being professional and cordial trying to make arrangments for payments. She began laughing and literally screaming at me. She did not provide any resources or options as to how I should go about paying or setteling my debt. Extremely unprofessional behavior, I have rights as a citizen not to be harassed, annoyed, alarmed, abused, tormented, or embarrassed as the claimant. She was very alarming, abusive, and embarassed me very much as I tried to negotiate a settlement to my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: FL

Complaint narrative:
Experian credit report shows bad debt for 800+ $ to a XXXX credit card and after dispute has decided it is valid. I am a XXXX and pay my debts. 
I have never been in a XXXX store and never opened a credit card. Therefore there can be no proof that I opened this account. Experian believes someone and there is no way to prove you didnt do something because there is no paper trail to prove something never happened. 
The system is rigged and unhelpful for the average guy.

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 2019-05-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
Loan # XXXX XXXX and XXXX XXXX Property : XXXX XXXX XXXX, XXXX XXXX , FL XXXX We've tried to get information from the original modification loan contract that would confirm we have to pay late fees accumulated prior to the modification loan contract. But to date, no one has provided us with contract language advising we would have to pay those late fees that were accumulated prior to the modification loan in XXXX. 

Since doing a new contract in order to keep my home in XXXX of XXXX, I have been transferred to different Mortgage Companies multiple times. Once again our current mortgage company, XXXX XXXX XXXX, has stated it has joined forces with PHH Mortgage Services and they are consolidating all mortgage accounts into one company, PHH Mortgage Services ( " PHH '' ), effective XX/XX/XXXX. They are also, once again trying to charge me for late fee incurred prior to this Making Home Affordable loan in XXXX. 

To date, none of the mortgage providers have provided anything written in the XXXX Making Home Affordable loan stating I have to pay these fees. ( It was the whole reason we were giving up our home, because we could not pay all of the fees and high mortgage payment. ) This Company is now apparently, threatening to add accrued interest, after 10 years of consistently not providing any evidence that I owe these fees after the new loan was processed in XXXX. 

We approached them about this after the attached documents were received, but again they sent old print outs from before XXXX 's loan and did not produce contract language saying we were responsible for the fees in the new loan of XXXX. 

Please have them either produce the contract language advising we would have to pay the late fees accrued prior to the XXXX new loan, or get them to stop harassing us with fees that no longer apply to our new loan. 

We are not of an age or the kind of health that allows us to come up with such an amount in a months notice. Thank You so much for your Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had 2 accounts with US bank. Towards the beginning of the month I thought my accounts had been compromised so I called to have them closed. I was told a hold could be placed. The hold was placed on the accounts for a day or so. I was still uneasy, so I called back to have both accounts closed. I was told they were both closed and I would be sent a check for whatever wa left in the account. A few days later I called back because I was thinking about applying for the simple loan which requires the account be opened for a certain amount of time. I wanted to inquire about the 1 of the accounts being reopened to do this. However, when I  called, I was told both accounts were still open. I then complained and spoke with someone else. I then learned only one of the accounts had been closed an it wasnt even the original one that I knew had been compromised ; also instead of closing the accounts the holds had simply been taken off unauthorized by me. They then closed the other bank account and reopened the old one, but unbeknownst to me the hold was not placed back on the account. Something then came into the account and I was charged a fee. I called the bank XXXX number to see what could be done as I was going to see about the simple loan with the hold placed and then close th old account and simply get new accounts all together. I was told I that customer service could not take care of such a thing and that only he home branch could do it. I was also told that I would recieve a callback from CS once the Branch opened and that they would reach out to my home branch on my behalf. The issue is 3 things, first, the hold should have never been taken off to begin with and a fee would not have been charged if that had been properly done, 2- it is ridiculous to have a customer service agency that refers you to the home branch which is completely useless, and 3, I dont like having a bank that can not act quickly in such situations, especially when in thought the accounts were closed and instead holds were taken off which ultimately compromised me. So, Im short, this was a bank error. I would like the fees reversed and my accounts permanently closed, US bank is not the bank for me. Also, they keep terrible notes. As I told CS who never reached back out to me, I placed  the hold and never authorized it or be taken off unless the account was properly closed, which it was not. I also asked for confirmation of the holds like at regular banks and they said no email or anything could be sent to confirm it.

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 2019-05-08 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:
I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AT YOUR EARLIEST CONVENIENCE.

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 2019-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: GA

Complaint narrative:
I wanting to remove a collection for a medical bill that i do not have any knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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:
Company claims that this is not showing on my credit report I have attached proof to show that this account is showing!

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 2019-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
We went into the store to make a couple of large purchases. My husband and I bought a mattress and a couch and coffee table. The promotion they were offering us was 4 years no interest. We got our first statement and it was different than what we agreed on with the sales person. We called and spoke to the store manager and he assured us he would be able to fix this issue by changing a code in their system. We were told that our payments would be set up to pay off our balance in full within the promo period and we would avoid all interest payments. 
I received an alert from a credit bureau that my credit use had increased, my score dropped and they would be adding all back interest to my account. They increased my minimum payment to over double. We tried contacting the bank and the store manager and neither were helpful.

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My mortgage Company Nationstar/Mr. Cooper stopped reporting my mortgage to the 3 credit reporting agencies about 5 years ago. I was unaware of this until XXXX of XXXX. Upon seeing this I immediately contacted them to have this issue corrected, which to date has not been done, I XXXX of this year I spent several hours on the phone with Mr. Cooper ( that's what they are calling them selves now ) telling me that the credit reporting agencies made the request that they stop reporting, and told me that I need to send them Mr. Cooper a letter requesting that my mortgage be reported. I did this on XX/XX/XXXX. Finding this scenario a little odd I called XXXX, XXXX and XXXX and inquired why they would request that Mr. Cooper stop reporting my mortgage, and surprise, surprise it was Mr. Cooper that made the request. I received a letter from Mr. Cooper stating that a request was sent to the 3 reporting agencies asking them to add it back to the tradeline. Well as of today XXXX XXXX this has not been done. I know this because I called all 3 and none of them have any request regarding the adding of my mortgage, they all have told me that I had a mortgage reported at on time but Nationstar requested it be dropped. I then spent another hour and a half om the phone with Mr. Cooper only to be told that 1 I needed to ask the reporting agencies to request it be added ( which I know is incorrect because I asked them to contact Mr. Cooper and was told in no uncertain terms that's not the way it works ), then was told no I was wrong the request was sent, despite the fact I now know it wasn't. Then was told it would have to go back to research to find out what the problem is, and that could take 30 to 60 days, and this was told to me by the escalation department. I do not understand why when I know that according to FRCA that they are required to report this why I am having to fight to get this done, Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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:
I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AT YOUR EARLIEST CONVENIENCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lending Club Corp
State: CA

Complaint narrative:
On XX/XX/2019 XXXX am I received a phone call from a XXXX number at my place of employment. The lady on the line said this was an attempt to collect a debt on behalf of XXXX XXXX   Lending Club, but did not state what company she was calling from. I responded with, " okay, I can not speak on this line because this is my place of employment. '' She became very rude and hostile stating that if I didn't tell her why I haven't paid my debt and speak with her today that there would be a lawsuit filed against me. I advised her that I have never received a notice from her company or received a notice that my debt had been sold off to another company. I stated that I would not be paying anything without proper paperwork and documentation. I asked her if there was a number I could call her back at so that this conversation did not interrupt my work in which she did not want to give me because, " I don't think you're going to call back and settle this debt since you haven't paid it already. ''

Company response to consumer: Closed with explanation