vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
On XX/XX/2018 I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact Hunters Warfield and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/2018 I contacted the XXXX in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called Hunter 's Warfield in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted Hunters Warfield on XX/XX/2018 and spoke to the rep by the name of XXXX Id # ( XXXX ). I contacted her because I was concerned with this item that listed on my XXXX report and also listed on my Husbands XXXX, XXXX, XXXX report. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/2018 I contacted the National Legal Aid for assistance

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There was a tax lien showing up on my experian report when I do not nor have I even had a tax lien in my name under my social security number!!!!! I need this off my report!!! This company is a scam and I will sue them due to personal injury because of this!

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 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX provides me with my Fico Score based on information that is provided by TransUnion, Under what is affecting my score it states the following : What's hurting Presence of derogatory public record or collection Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally riskier to lenders. Demonstrating a good payment history on existing accounts is a best practice. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years. 

I don't have any of the above so I contacted TransUnion and received a copy of my credit report, no derogatory public record or collection, i called TransUnion and they confirmed none of the above are on my report, I contacted XXXX and they state I need to call TransUnion, TransUnion says to call XXXX, I even called Fico and they told me that I need to call trans Union, I want to get to the bottom of what is being reported and hurting my credit score

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 2018-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
Beginning of XXXX I took a loan out through XXXX XXXX for XXXX. My intention was to pay the loan back within the first week of XXXX. Hours are short in my line of work during the month of XXXX typically so I do not make as much. But I receive a bonus on XXXX, which was why I planned to pay the loan back quickly. Due to unforeseen circumstances I was unable to do so. At that point I continued to make the regular payments that were due through my contract with them. After a month or so of paying them quite a bit of money and receiving an email that my loan had not gone down by very much I decided to look closer at the details of the loan. My interest rate was 167 %! By end of XXXX I had paid approximate {$560.00} and my loan had gone down by about {$75.00}. Of course this is my mistake for not looking at the details beforehand. In my case, it was because I didn't plan on paying through the full length of the contract so at the time I felt the details were irrelevant. Again, my mistake. But regardless of those facts 167 % interest is outrageous! I attempted to call the XXXX XXXX location to discuss the matter and spoke with XXXX, the manager on duty. Where she informed me that she did not think that rate was unfair and it was actually one of the company 's lower interest rates. For a company who, for the most part, serves customers in financial duress, this practice seems unconciencable. They are taking advantage of people at a low point. For the record my payments have all been made on time and will continue to be. I just want to warn anyone in a time of need to please use any other options! You will dig yourself a hole with this company that is very hard to get out of. After my experience I was able to find other companies with much more reasonable interest rates. Do your research. Hope this helps someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: WI

Complaint narrative:
XX/XX/XXXX - The XXXX Account listed as in good standing still has an error. 
The payment inXX/XX/XXXX was never late, their system had a glitch in which they did not accept my XXXX XXXX payment ; and, instead told me that the payment was processed and accepted for well over a couple of weeks. This was not my fault. 

And I have mailed them similar complaints nearly monthly since last XXXX. 

XXXX - XXXX is an account on my file that had discrepancies just after it was opened in XX/XX/XXXX. 
This account was never even 30 days late, much less the 90 that is necessary to make it an adverse account. 
This account needs to be moved to good standing, because it always has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received two AmEx prepaid cards as a gift recently. Card number XXXX with a balance of {$150.00} and card number XXXX with a balance of {$200.00}. I attempted to use these cards to pay a bill in amounts equal to the value stored on the two cards and the transaction was declined because the merchant first authorized the card for {$0.00} each leaving the available balance short by XXXX XXXX each. 

I called customer service and asked if they could temporarily add a XXXX to each card so that my transaction would go through and they said that was not possible. They then asked me to reduce my transaction amount by XXXX cent - which would have worked but that would have let AmEx keep XXXX cent on each card - multiply that by millions of cards sold and that's a tidy little profit that AmEx is fraudulently pocketing at the expense of gift card holders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I disputed in XX/XX/XXXX and requested debt validation with Transworld Systems Inc they are reporting on all 3 credit bureaus as an open collection from XXXX, XXXX is not on my credit report. After I disputed and requested debt validation they sent me a letter dated XX/XX/XXXX with a bill from XXXX which means this debt is XXXX XXXX XXXX and it's reporting on my credit report as open in XXXX making it appear as an newer debt than older debt. Also they sent me which appears to be a final bill as debt validation, that is not proper debt validation. I need proof this debt is mine and this debt is also from XXXX which means it's 7 years old. They are reporting inaccurate information and I'm not sure this debt is mine being that is from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX Capital One closed my credit card account that goes back to at least 2011. I have another credit card with them that I use on a current, regular basis for which I receive emails and text notifications. 

On XX/XX/XXXX, I called Capital one as I just learned that one of my credit card accounts was closed without my knowledge and I was not notified of this. When I called and spoke to Capital One they claimed they weren't able to find anywhere in my account that they had send any kind of notification to inform me of the plan to close my account and when I asked if it could be reversed and the account re-opened they said " no '' and that Capital One had made a business decision to close inactive accounts and would not be reopening them. 

Additionally, they admitted they had the correct, current information ( address, email, phone number ) for my other card and I confirmed I received notifications regarding it but that they did not have correct, current information for my other account that is now closed. It seems to me that when I created the new account or any other time I have contacted Capital One that they might have noticed that the address or email on one account doesn't match the other and I would have gladly given them my correct, updated info. Also, when I look at my online profile which has both accounts information available and I look at my address, phone # and email they all show the correct, updated info so I would never know that they had different information on their end for one account and not the other. However, they claim when you call about one account they can't see the information associated with the other account. I don't think it's fair for my credit to be negatively impacted by their poor business decisions or because they failed to contact me or to maintain the correct contact info for me before they closed one of my oldest credit accts. 

What's also strange is they did send me an email the day the account was closed saying that a change was made to my credit ( as part of their XXXX XXXX XXXX   ) but that it didn't affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Since about 6 months before Freedom Mortgage purchased our loan from the previous servicing company XXXX XXXX, we have been inundated with mailings for refinancing to ARM loans and once we read further into Freedom Mortgage practices we discovered that their practice of not reporting on time payments will affect our credit negatively and their online customer service is non operable and there is a {$15.00} fee for over the phone customer support. This is the epitome of a predatory company!

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 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Initially I filed claim # XXXX. I initially stated that this company reported my information to the credit bureaus but after careful review another company under the name XXXX ( XXXX XXXX XXXX ) reported something similar. However, XXXX XXXX XXXX sent me a letter on XX/XX/XXXX for I debt they claim I owe of {$1800.00} and they stated the original creditor was XXXX XXXX XXXX. On XX/XX/XXXX I sent a letter back stating that their debt had been disputed and that they are to provide me with proof of any contractual agreement I have with them to pay them any debt. They responded back on XX/XX/XXXX with a letter simply stating I owe {$1800.00} on account number XXXX but with no information on the procedure used to determine the accuracy and completeness of the information. I am not familiar with the original creditor and don't recall ever having any services done from them. I sent a letter out today on XX/XX/XXXX requesting 1. The procedure used to determine the accuracy and completeness of the information 2. A copy of any viable evidence bearing my signature showing the account is being reported accurately XXXX XXXX XXXX stated in response to my initial claim that they don't have to provide proof bearing my signature that I have an obligation to pay them. Do they expect someone to pay a debt they claim is owed without any proof? If you can not validate this debt you must request that all credit reporting agencies delete the entry. If XXXX XXXX XXXX went about obtaining my information in a non legal manner then they my be in violation of HIPPA laws as well as FCRA and FDCPA.

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 2018-03-09 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: SC

Complaint narrative:
Greetings, My wife and I are so pleased that XXXX XXXX is now the Director of the CFPB. XXXX was a great Congressman for us in South Carolina and we know he will work hard to ensure the American People 's business is not compromised by these reporting companies that report so much inaccurate information on consumers. Our Credit Statements are terribly inaccurate! We have been trying to reach the credit reporting agencies to dispute the large number of inquiries that we didn't do with NO success as well as understand the many delinquent accounts on our credit that we know nothing about. All of our credit cards are up to date and our payment histories. This is having a huge barrier on our ability to purchase another home. 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 explanation
Consumer complaint received 2018-03-09 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: SC

Complaint narrative:
Greetings, My wife and I are so pleased that XXXX XXXX is now the Director of the CFPB. XXXX was a great Congressman for us in South Carolina and we know he will work hard to ensure the American People 's business is not compromised by these reporting companies that report so much inaccurate information on consumers. Our Credit Statements are terribly inaccurate! We have been trying to reach the credit reporting agencies to dispute the large number of inquiries that we didn't do with NO success as well as understand the many delinquent accounts on our credit that we know nothing about. All of our credit cards are up to date and our payment histories. This is having a huge barrier on our ability to purchase another home. 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 explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I established a mortgage with an escrow account with Huntington Bank on XX/XX/XXXX. The first installment of my taxes was due on XX/XX/XXXX. I received the bill, which I faxed to them at their request on XX/XX/XXXX. I have subsequently called to follow up on payment of the taxes ( most notably on XX/XX/XXXX, to inform them the tax bill would be delinquent if not paid, and XX/XX/XXXX, the date they indicated the issue would be resolved ). The tax bill has still not been paid, which they have stated is a system issue on their side. However, the tax bill is accruing interest. When I inquire about who will bear the interest costs due to nonpayment, Huntington has informed me on both the XXXX and the XXXX that this will be " researched '' after the tax bill is paid. This is not acceptable to me. I pride myself on having great credit and on paying my bills timely and I will not accept responsibility for any late charges or penalties that are a result of Huntington 's inability to figure out how to pay the taxes through their system. My escrow is fully funded and had more than enough funds to cover the cost of my tax bill on the day it was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: NJ

Complaint narrative:
For the past few months, I ; ve disputed XXXX reporting of a 120 late payment to XXXX XXXX XXXX XXXX. Unfortunately, they continue to report this. They are reporting a commercial property on my personal credit. This property is an active hotel and the master deed states that it's for transian use only, so you cant live there. I was in a rental pool and was an income generating property. And, XXXX XXXX clearly states that properties with Hotel signs do not qualify for conventional mortgages. XXXX had no business lending in this arena and that's why they no longer do. This is not a home, nor could it ever be one. This was ownership of an income generating hotel room. All you have to do is XXXX the address of the loan and you'll bring up the hotel.

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 2018-03-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have credit reports from Experian that show incorect information disputed and they did nothing did it by phone mail and online they said nothing and gave me nothing I have XXXX to XXXX on all credit scores Experian with no bad credit just great credit for open and paid off accounts and they are lieing to people I am getting credit reports saying I have a XXXX credit score when I just got a home loan they said I had higher then that so Have proof of them giving fraud information to companeys and the score with them has been XXXX for 15 years never changed I have proof of that as well

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 2018-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a voicemail from a " unidentified '' debt collector but the representative left the name of XXXX XXXX  who told me that I had a payday loan that I did not pay and they were going to file charges in XXXX   County on Monday and the call was to make me aware of that because they were not able to get in contact with me but, that I can call the legal department at XXXX  to discuss the matter with a case # XXXX. They were going to locate me and contact my employer if I did not call back so it was imperative to call immediately.

On XX/XX/XXXX, I called the number back only to be asked for the last four digits of my social to verify that it is actually the person who owns the debt. I was then told that the account was locked and that they needed to get a paralegal to unlock the account because it was going to be filed on Monday so he had to place me on a brief hold. ( Already Suspicious The guy gets back on the phone to ask me if I remembered taking out a loan out with Ace Check Cashing in XX/XX/XXXX and that I failed to pay the balance of {$440.00} and the amount now that will be filed for in court is {$1400.00} if I could not pay the original amount today. I also will be charged with defrauding a business and using a financial institution to do that. I honestly do not remember the loan as I took out a few of them and my account was closed due to fraud ironically but, that if I owed this amount I would want to settle the debt, just in installments because I could not pay the entire amount today. The gentleman asked me about my pay dates and if I had a bond trace that I could secure via credit card or debit card with a visa logo on it.

I agreed and I told him that as soon as he sends me documentation of what I owe and who this is going to then I would be more than happy to set up a payment plan. He told me that they do not do this and that they could only send me a dismissal of debt letter when I have completed the payment. I told him that I can not give out my bank information without knowing where it is going and he told me that he would notate the account with my concerns and why I could not pay and told me " good luck in court ''.

This to me is a scam or something because it is not a legit business practice to ask for financial information and not supply you with who they are. This company needs to be investigated for fraud and I plan on reaching out to Ace Check Cashing because if I owe them money then I want to pay.

Company response to consumer: Closed with explanation