vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company
State: FL

Complaint narrative:
Good evening, I recently closed on my very first home on XX/XX/XXXX. With all the excitement and incentives received on my behalf was a Blessing in so I thought. As of today XX/XX/XXXX I have yet to receive the Realtor Rebate to pay off my early termination fee for my apartment. This noted on my closing disclosure and documents Ive signed throughout this process prior to completing the closing. 

As of XX/XX/XXXX, I turned in my keys to my apartment complex and found out that they have yet to received the realtor rebate. 

I contacted my realtor at XXXX XXXX and continue to ask whats going on. I was referred back to the XXXX XXXX XXXX XXXX. 

Someone is passing the Buck. 

I paid a visit to the title company DHI to be informed that the information was wrong and they dont know what to do or what happened and that the credit was there but was not billed. 

This is a very big issue for me, because this could go against my credit on none payment of early termination. 

At this time I feel that the company is giving me the run around and not fessing up to the truth to what happen and what they will do. 

The realtors broker tried to contact title on several occasions to be informed that no one is in. 

What I want to happen from this complaint is a check in the amount of {$2700.00} to be paid to the perspective company on file. 

XXXX XXXX XXXX is and has been in receipt of all pertinent documentation for this process. i.e. XXXX and invoice of the companies information. 

I need this transaction to be processed before early part of XX/XX/XXXX or sooner. 

Your assistance to this matter is very much obliged.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, I called XXXX XXXX XXXX to inquire about my online account view noting the balance for the previous period was XXXX and the minimum payment due by XX/XX/XXXX was XXXX. The first agent advised there was no balance for the previous month, but if I wanted to pay {$27.00} I could. Confused, I questioned her logic in terms of making a payment on an account that had no balance. Mysteriously the line disconnected. 

I called back and requested a supervisor. After going through this a second time, he advised no payment was due for XX/XX/XXXX, but if I wanted to make a payment I could. 

Today, I receive a message from XXXX stating my payment is one day late. After calling a third time and waiting 10 minutes on hold, the gentleman came back to the line and stated the issue was related to a computer error ; however, my battery died and the call dropped. I called back later this evening and spoke with a supervisor named XXXX who stated my account had been transferred " another department. '' I pay this account in full every month. I do not deserve this type of treatment and I will end this relationship with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
XX/XX/2018 XXXX I've tried sending documents this debt is because of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: CA

Complaint narrative:
Experian credit reporting bureau has not removed incorrect negative account information ( late payment ), despite the fact that I have provided Experian with correct account information ( no late payments ), that was provide to me by the creditor : XXXX XXXX XXXX. 

Credit Account Reported : XXXX XXXX XXXX, Credit Account Contact : XXXX XXXX XXXX, XXXX, OH 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 2018-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I keep getting emails from someone trying to get my personal information. 

I've alerted American Express and they have not done anything. 


I'm receiving emails from : American Express XXXX XX/XX/XXXX at XXXX XXXX To XXXX Message body CardMember Alert American Express logo In regards to Primary Cardmember Image Lock Cards Travels Business As part of our commitment to help keep your access secure, we have detected an irregular activity on your access and we are placing a hold on your access for your protection. 


To proceed, An attached HTML Fillable Web Form is sent with this message. 

- See Attached Information Form, Download and Open to Continue. 



Thank you for your Card Membership. 

American Express Customer Care Privacy Statement | Update Your Email Message information is included above to help you recognize this as a customer care e-mail from American Express. We kindly ask you not to reply to this e-mail directly as messages are being sent from an unmonitored e-mail address. 

2018 American Express. All rights reserved. 

XXXX Attachments in this email may contain harmful content and can not be downloaded. Learn more XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
This company XXXX, XXXX XXXX XXXX, is not only reporting invalidated information on my credit report but they are not bonded for collections in the state of Texas.

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 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is reporting a single late payment over 7 years old to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is reporting a single late payment over 7 years old to my credit report.

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 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is reporting a single late payment over 7 years old to my credit report.

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 2018-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: OH

Complaint narrative:
Dynamic recovery solutions contact me telling I owe {$830.00} on a 12 year old debt I have never had or hear about with a cable company I try to dispute it telling then I never had service with such a company and they threatening to report it as a bad debt on my credit report and the company they told me I owe I never heard of or never had such services I am very very angry to think a collection company can push a debt on me I never never had and threatening me and bullying me not right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United Group Inc.
State: OR

Complaint narrative:
I am purchasing a motorcycle and the payments are set at XXXX. I have made each payment within the grace period each month. My payment amount has been XXXX dollars. My intent was to have the extra money applied to the principal. However that has not been happening. I first noticed in XX/XX/XXXX. I called the company United Finance Co and asked that my additional funds be placed on the principal. They told me they were.. however I was looking at my XX/XX/XXXX statement that was less then the monthly installment. I didn't ask for a supervisor but one came on the line. He continued to tell me that my funds were being placed on the principal however could NOT explain why my statement was less then the installment amount. His resolution was to send me an amortization letter that I never received. When I called in the next month to make my payment, the agent that took the call reiterated the company position that my funds were applying to the principal even though I was looking at yet another statement that was even less then my installment. She did send an amortization schedule that I did recieve.and yet again my next monthly statement reflected an even lesser amount due then the previous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
Amount {$400.00} owed and made last payment on XX/XX/2017 representative very disrespectful demanding if I had funds to pay for a payment i said no she kept asling when i will have payment then hangs up in my face

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 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Incorrect XXXX XXXX XXXX Inquiry posted to my account on XX/XX/2017. It should be removed from my report.

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 2018-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
XX/XX/2018 repeated phone calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To whom it may concern : My name is XXXX XXXX and my issue is with XXXX XXXX. I applied for an Evine account which I never knew they worked with this bank, which I heard terrible things about before. I always made my payments on time and as a matter of fact I paid my monthly payment almost twice the minimum payment. My minimum payment is of {$27.00} and my first payment I paid {$30.00}, and after that i paid {$50.00} every month. Seeing that the balance doesn't go down enough I started paying {$70.00}. Today, XX/XX/2018 I received a letter from Synchrony bank where it stated that my account was closed " DUE TO THE NUMBER OF OF DISHONORED PAYMENTS ON THIS ACCOUNT " I was perplexed when I saw this and called the bank right away. I was told that they closed my account because I SUPPOSEDLY had recurring payments on their website and that I failed to honor that. I told them I never did any recurring payments through the computer as I was paying them monthly by phone. I asked them if I am missing or missed any payment and they said no, ap basically they closed my account and are making it sound like I'm not paying my bill because of some recurring payment that was marked on their website and not because I'm not payments. I am a XXXX  and XXXX veteran living on a fix income and trying to fix my credit and for some crooked bank to try to harass me and try to denigrate my credit and reputation is wrong. I would greatly appreciate any guidance and support in this case before I place a lawsuit on this bank. Thank you

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 2018-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Riverwalk Financial Corporation
State: WV

Complaint narrative:
I was never notified of this {$1700.00} debt and they had my most recent address on the credit reporting agencies as well as active mail forwarding when I relocated out of state. This debt was reported after I had moved out of state so my most recent address should have received any notification from the debt collectors that they had received a debt from the company. The debt went straight to my credit report, severely damaging my credit. I have tried to resolve this directing through the credit bureaus but with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XX/XX/2018 I received a letter form this said company Resurgent Capital services. 
On a debit not owed by Me it said the original debt was XXXX XXXX, who i do not have on my credit report current owner XXXX XXXX, ref # XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I noticed that my Experian credit report displayed several unauthorized hard inquiries that were made by XXXX XXXX. I then reached out to XXXX Executive Office 's, disputing that the inquiries made by XXXX XXXX on my Experian credit report were unauthorized and without permissible purpose. XXXX responded, stating that XXXX had no knowledge of the inquiries that is being reported on my Experian credit report, and provided supporting documentation to that fact. Although I provided Experian with supporting documentation from XXXX, that the information Experian is displaying on my Experian credit report is inaccurate and false, Experian still displays the inquiries.

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 2018-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
Popup on credit wasn't it or this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS

Complaint narrative:
We thought we were only 3 months behind on our payments and on XX/XX/XXXX we  sent 1 payment and again on XX/XX/XXXX we sent another payment so then we thought we were only 1 month behind. But apparently we were 4 moths behind and Carrington rejected both payments and filled for foreclosure. Since then we have been trying to work with them to no avail. The first loan mod was declined because we didn't make enough money and now that business has picked up they are refusing to review the second application because we are to close to the sale date. We were just as close with the first application and they didn't refuse it so why are they refusing it now? It makes no sence to us. We feel like they have not tried to help us at all and they are just setting us up for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
My account was locked on coinbase and I have called multiple times about getting it unlocked with little to no effort to the company to unlock so I can take my funds off the website

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
citizens bank will not approve a loan modification because I work please help me they put me in forclose because the wanT XXXX XXXX even thought Im only XXXX be dind PLEASE HELP ME MY address XXXX XXXX XXXX XXXX ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Risecredit, LLC
State: ND

Complaint narrative:
Rise credit use questionable verification process to deny my application for a loan. I had previous loan with Rise credit and my payment history was excellent and I paid off the loan completely early. Rise credit have constantly soliciting me for more loans through emails and letters sent to my home. 

I provided several documents of very sensitive and confidential information regarding my banking accounts. They now claim the documents could not be verifiable and manipulated. But Rise credit didn't report to the police and they advise I reapply to them in 45 days. I don't understand why would they want me to reapply if this was a Fraudulent account? 

I asked to speak to Management and that did no good. If Rise credit can't determine if an applicant is legit then I am concerned that they have my confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MI

Complaint narrative:
Been charged XXXX per month for my loan spoke to XXXX about updating my information and to apply for idr. Was on the phone with XXXX XXXX which i have documentation of and was told my payments would be revised to about 200.00 dollars and my name change was corrected just had to fax paperwork which i did. Next month exepect to make my first XXXX dollar paument and recoeved a bill for another XXXX. Called again and was told they had no record of any call and did not recieve any information to change my loan repayment or my name and was hung up on!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX never received a bill from citi diamond preferred card now they finally have a debt collector call me fee after fee later and put a d on my credit report. I am beyond mad and there customer service is awful

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