vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX XXXX. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding XXXX XXXX XXXX XXXX. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with XXXX. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted XXXX concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however XXXX refused to comply with the FCRA compliance. This action has affected me in a negative way

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20 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: GA

Complaint narrative:
On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX XXXX. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding XXXX XXXX XXXX XXXX. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with XXXX. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted XXXX concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however XXXX refused to comply with the FCRA compliance. This action has affected me in a negative way

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 2017-07-20 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: IL

Complaint narrative:
XXXX XXXX ran my credit through several of their bankers without my authorization and a firm rejection of their financial services ; I walked in their facility with my own financing in hand. Their finance manager XXXX XXXX was rude and unprofessional in his verbiage and manners with me. Further I see just how unprofessional he really is. I am certain there is some recourse for this having over 4 creditors that are unrecognizable too me, and did not have my authorization to use what information was given during the normal course of business when purchasing a vehicle : they took that information and use it in anyway they wanted too!
Now I have a number of ( more than 3 ) rejections on my history for two years! 
I did not initiate the loan or finance hunt with them because I went thru my own Bank -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 2017-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I buy products on line mainly from XXXX, one and only form of payments, vendors accept is through western union. The way it works, i transfer money, western union gives me MTCN number and i provide that number to potential vendors to collect payment and ship out my order. This cause a tremendous frustration, western union put transaction on hold / under review for many many days, without even notifying me. They charge full transactio fee, i provided all kind of ID ( copy of my drivers license, passport ) everytime, still under review. Calling customer support, they put on ever lasting holds. All i want to let transaction go in timely manner provided i paid all the fees and provided all kind of documentation, they asked. This cause financial set back to me. Can you please help me regarding this matter. My email is " XXXXXXXXXXXX " contact number XXXX. Thanks. Looking forward to resolve this matter. I understand, western union has to follow certain guidelines, but i provided all requested information and each time over and over again, they asked the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: DC

Complaint narrative:
Through XXXX I received a trial loan modification from DiTech which began in XXXX, 2017 and successfully completed my payments in XXXX, 2017. I have been waiting since the completion of my final trial loan medication to receive my finalized loan modification documents. XXXX, XXXX XXXX XXXX worked with a XXXX . XXXX in DiTech through this process, however in XXXX, 2017, DiTech forwarded to me through their attorney Default asking for the amount that I am paying through Chapter XXXX. I have been current and so they withdrew those documents. Now they are refusing to forward me my finalized loan modification documents. When I got the loan modification I was told by my bankruptcy attorney and XXXX that my payments to the Trustee would be reduced or cancelled once I received the final documents. DiTech after months of trying refused to speak to XXXX and they have my written consent to do so, and they refuse to speak to me. When I call they tell me that they are still working on the documents. When I ask how long its going to take or why is it taking so long, they wo n't answer and try to brush me off to the loan modification unit which only transfer my call back to the bankruptcy unit. My attorney called them last week, on the XXXX to be exact and was told that I would receive my documents when I made my final payment in XXXX. I never received any thing from DiTech informing me that they had changed my trial loan modification documents and when I contacted XXXX XXXX of XXXX they had no knowledge of this either. So I immediately called them back and they informed me that they were still working on the final papers. They had no problem sending me a Default notice to foreclose on my house in XXXX, which they withdrew once XXXX and my attorney got involved and we sent them copies of the trial modification submitted by them. They have made it virtually impossible to live. I pay the trustee XXXX per month and them XXXX. So they are collecting monies from the trustee which should be stopped because those amounts were added to my trial loan modification, plus my monthly mortgage which increased from XXXX to XXXX. I ca n't afford my medication, to buy food, pay my utilities and if the Federal Government was n't paying my transportation costs to and from work, I would n't be able to get to work. Please make them forward me my final loan modification papers. They are illegally getting money from the Trustee and me and they have gone up twice on my mortgage since I 've filed bankruptcy and my homeowners payments decreased by XXXX. Please help me. Thank you. PS I won several class actions suits, though not a lot of money, for predatory lending and submitting false balances on my account, like they did to others. Please help, I am XXXX and need my medications or I could die. I have XXXX XXXX XXXX, XXXX, and some other aliments I would like to keep private.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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: AL

Complaint narrative:
I have submitted a complaint about my credit report however I have not received any changes. There are tax liens as well as inquiries that do n't belong to me. I have no knowledge of this debt. Please help me! I am furious!! Take them off!! State lien paid in released XXXX XXXX XXXX State lien XXXX XXXX XXXX State lien XXXX XXXX XXXX KY higher XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that were not authorized! XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX city of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX identity rise consumer info Please Remove them immediately!! It should be illegal to report items that do not belong to me!!!

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 2017-07-20 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: AUTOMOTIVE CREDIT CORPORATION
State: MD

Complaint narrative:
charged off in bankruptcy ; no longer obligated to this debt

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 2017-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
THIS COMPANY IS TRYING TO SETTLE THIS DEBT WITH ME AND ITS NOT MY DEBT. SO IM ASKING FOR PROOF OF CLAIM. I WANT TO SEE MY NAME SIGNED ON A CONTACT. IF THIS COMPANY CANT SHOW IT HAS TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC.
State: NC

Complaint narrative:
I use to live at XXXX XXXX in XXXX. When I left XXXX I paid my rent in full even for the time I was n't there. I paid with a cashiers check. I later found the company was on my credit report for XXXX . I have contacted them several times no one can tell me why. The apartment was left in very good condition. All furniture and items were removed. Now its show on my credit report. I have disputed it several times .. I 'm asking that this be removed from my credit immediately. Its being reported under Capstone credit collection. 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 2017-07-20 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: MD

Complaint narrative:
charged off in bankruptcy ; no longer obligated to this debt

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 2017-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
charged off in bankruptcy ; no longer obligated to this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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: MD

Complaint narrative:
charged off in bankruptcy ; no longer obligated to this debt

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 2017-07-20 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: AL

Complaint narrative:
I have submitted a complaint about my credit report however I have not received any changes. There are tax liens as well as inquiries that do n't belong to me. I have no knowledge of this debt. Please help me! I am furious!! Take them off!! State lien paid in released ( XXXX ) State lien ( XXXX ) State lien ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that were not authorized! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Remove them immediately!! It should be illegal to report items that do not belong to me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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: AL

Complaint narrative:
I have submitted a complaint about my credit report however I have not received any changes. There are tax liens as well as inquiries that do n't belong to me. I have no knowledge of this debt. Please help me! I am furious!! Take them off!! State lien paid in released ( XXXX ) State lien ( XXXX ) State lien ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiries that were not authorized! XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/Experian credit works XXXX Experian identity rise consumer info Please Remove them immediately!! It should be illegal to report items that do not belong to me!!!

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 2017-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
To whom it may concern : I have applied for the American Express XXXX XXXX XXXX credit card onXX/XX/XXXX and got approved with a {$6000.00} line. Earlier today ( XX/XX/XXXX ) unexpectedly I noticed that my other American Express Bluecash Everyday card that I have been using since XX/XX/XXXX has got a line decrease all of a sudden from {$12000.00} to {$6700.00}, so I called American Express customer service right away. Throughout my conversation with them, it seems that when they approved my XXXX XXXX XXXX card application, they allocated {$6000.00} of my XXXX XXXX card line to the new card, and the only option to increase the line for my XXXX XXXX card is to apply for a credit line increase. This is the problem. First of all, there was absolutely no communication/notification to me regarding the line decrease/credit line allocation between the two cards in any forms after I was approved for the new card. It 's not only a question on credit card line strategies but also a customer service issue - I feel that I was n't fairly treated with my right to get notified regarding the credit decisions that the credit company is making. I understand that credit line decrease is usually communicated before being implemented and it usually has negative impact on credit bureau profile. Secondly, as much as I want to have the new card, I want to have sufficient spending limit on my XXXX XXXX card, and the sudden decrease is certainly not helpful on this front, and has affected my upcoming spending plans. Last but not least, customer service transferred me from one department to another during our conversation without providing much helpful information regarding what the possible solution is for this matter. When it comes to a " final conclusion '' that I need to apply for a credit line increase, I feel it 's beyond unreasonable as they cut the line without telling me in the first place, and by applying for credit line increase, they will have to pull my credit again without any guarantee that the line is able to be increased back to the level it was. To summarize, it was a fairly disappointing experience with American Express, and hope that the issue could be further addressed to them and resolved in a mutually-beneficial way. Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a check for {$2200.00} into my Chase account on XXXX XXXX, 2017. When I logged in the following day to see my account activity, the bank withdrew the money and said there was an error with my deposit. I called the following Monday and spoke with a Customer Service Agent who said that the check was not properly endorsed. The check was endorsed and even had my account number on it. The fellow said that they would overnight a/the check to me and I would have to take it to a Chase bank lobby and ask. When I did not received the check by Wednesday evening, I called back. The customer service agent said that I have to go back to the issuing party and request another check. Why should I go and pay for a stop payment of {$30.00} and a reissuing check fee of {$35.00} because they can not get me my check back? If my check was not endorsed, they should have a procedure on how to get the check back to the customer. MY CHECK WAS ENDORSED and no image is available on the website either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
A agency by the name of credit collection service is trying to collect a debt that I do not owe..once I looked into the agency I found out they are not allowed to do business in the state of Florida..the debt occurred in Florida and I reside in Florida..they are blatantly disregarding the fact that legally they are not to practice in the state of Florida.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: ME

Complaint narrative:
On XX/XX/2017 I received my mortgage statement in the mail. I looked at it and it had a next payment date of XX/XX/2017 and I thought that was odd. I turned it over and saw that flagstar had entered in 3 fee amounts of {$990.00} all on the date of XX/XX/2017. Then it showed 2 payments of {$1400.00} posted to my account on XXXX. I made a payment of {$1400.00} on XX/XX/2017. I have no idea what happened so I called Flagstar. I recording of my account information said I made a payment of {$15.00} on XX/XX/2017. I  waited and talked to a girl and she said I was not due for another payment till XXXX and I said something is wrong I did not make all these extra payments and she said do n't worry just pay when it says to. Flagstar has applied someone else 's payment to my account before so I 'm assuming that is what happened. The girl opened up a case and I asked that someone call me and today is XX/XX/2017 and no one has called me. My case # is XXXX. I have been also checking my credit bureau and the balance on that for the month of XXXX shows a balance of {$210000.00} but Flagstar is showing a balance of XXXX that is a difference of {$2200.00}. The Credit Bureaus receive the update from the company every month so something is wrong with that. I want Flagstar to fix what is wrong and correct it. I am still waiting to hear back about the other case I have with Flagstar # XXXX that involved my modification and not removing my ex-husband and not having him sign any of the paper work and making me the borrower but he is still on the modification as you can see with the attachments I am sending he is still the primary borrower.

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 2017-07-20 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: MD

Complaint narrative:
Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted in XXXX, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit report. In addition, I had a fraud alert placed on my file in XXXX of this year and yet there is a credit inquiry from XXXX XXXX in XXXX. The fraud alert states that i am to be contacted by phone. This did not happen. Lastly, I have requested that they remove inaccurate addresses, this has yet to be done.

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 2017-07-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My husband and I sent a letter to the credit bureaus XXXX XXXX 2017 asking them to investigate numerous issues we had on our reports. They responded to my husband but sent nothing about me, even though my information was in the same letter!

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