vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-20 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: CA

Complaint narrative:
Our mortgage has been with XXXX for a very long time. The mortgage payment has been fixed at {$4500.00}. All my payments have been on AutoPay from my XXXX XXXX XXXX account and have always been sent to them via check. Then XXXX changed the loan amount due to the inbounds ( taxes or insurance changed ) and didn't properly notified us. They claim that they send a letter informing about the change, but both I and my husband were out of XXXX XXXX for few months due to business travel and didnt receive the letters. No one attempted to give us a call to tell us about the change. When we came back I received a returned check with a letter that the amount we sent to XXXX was lower than the payment amount and they could not apply the partial amount to our mortgage. In addition, they did apply lower amounts for several months before that and just send us a separate letter asking for additional payments. As a result, XXXX returned the check and reported 30 day late for XX/XX/2019. After I found out about what happened, I immediately paid XXXX and XXXX balances in full and switched to the autopay on XXXX to prevent this situation from happening in the future. I asked XXXX to correct the late payment on my credit report via goodwill adjustment, since it wasn't my fault and I've always made all my payments on time not only with them, but also with other banks and credit companies. However XXXX completely refused to cooperate and remove the late payment from my and my husband 's credit report. We're asking you to help and resolve this situation.

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 2019-07-20 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: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
I XXXX XXXX have a credit card with Barclay for over five years. My credit line was XXXX XXXX dollars. On XXXX XXXX I received a letter from the company stating their were cutting my credit line. The letter was dated XXXX XXXX. I didn't understand the letter because I WAS NEVER LATER, NEVER PAID THE MINIMUM ALWAYS OVER SO I COULDN'T UNDERSTAND. 
I Called the company to redeem my rewards, and was told that I could use them toward my payment. i believe this started the whole thing. My plan was to take the bill down, i was paying {$120.00} and I wanted to add the {$31.00}. 

I received notification the my credit score had dropped from XXXX to XXXX because of Barclay report. Barclay is always sending communication on surveys and other notification. Why couldn't they notify me  about cutting credit line before the credit bureau

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 2019-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I found information on my credit report which is inaccurate and incomplete, so I did contact the original creditor ( Westlake Financial Services ) through the help of an adviser for them to provide me documentation to proved that alleged car loan belonged to me. Such documentation requested were the complete copy of the loan contract dated and signed by me with all pages including the sticker which is part of the contract. I also requested the letter they allegedly sent that provides me with my right to redeem the vehicle, the notice of deficiency/surplus and the right to cure and reinstate the car loan. 

As you very well know, I am exercising my rights to request such documentation directly from the original creditor per section 623 of the FCRA, a federal law, a duty of furnishers of information to provide accurate information. 

I did send two separate letters requesting such documentation more than a month separate and I am yet to receive any response from Westlake Financial Services after 90 days have passed. They completely disregarded my request. 

Thank you and hope to hear from you soon!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I was overcharged for an installment loan and when I asked to pay my entire balance off, XXXX XXXX. ( via XXXX XXXX email address at loan at last ) said, Your pay off balance as of Friday, XX/XX/XXXX is {$490.00}. I scheduled the payment. The payment posted. Then I get another email saying I owe $ XXXX more for a delinquent payment that I missed in XX/XX/XXXX, which they apparently partitioned from my main loan amount giving me two separate debts stemming from the same loan. I asked to pay off my debt. And I did. At this point I dont trust the totals XXXX XXXX XXXX is giving me. Fool me once ... Given the fact the initial loan was for {$300.00} and that XXXX said my pay off balance, meaning everything that I owe, was {$490.00}, I feel Ive paid more than enough in interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: FL

Complaint narrative:
My identity was stolen. I have already reported the information to the police but the credit bureaus are still reporting the information ; in violation of FCRA SS 605B of US Code. I have sent them the information, the police report. copies of, my identification and also utility bills. 

This has been going on for nearly a year. It is causing me significant damages as I am unable to get a new job or apply for credit. They are violating the law and damaging my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: FL

Complaint narrative:
My identity was stolen. I have already reported the information to the police but the credit bureaus are still reporting the information ; in violation of FCRA SS 605B of US Code. I have sent them the information, the police report. copies of, my identification and also utility bills. 

This has been going on for nearly a year. It is causing me significant damages as I am unable to get a new job or apply for credit. They are violating the law and damaging my reputation.

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 2019-07-20 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: FL

Complaint narrative:
My identity was stolen. I have already reported the information to the police but the credit bureaus are still reporting the information ; in violation of FCRA SS 605B of US Code. I have sent them the information, the police report. copies of, my identification and also utility bills. 

They have removed some of the fraudulent accounts but still several remain. 

This has been going on for over a year. It is causing me significant damages as I am unable to get a new job or apply for credit. They are violating the law and damaging my reputation. 

I have wasted dozens upon dozens of hours trying to get the situation rectified but it seems they only care about the money being paid to them by the creditors and not the law or my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: FL

Complaint narrative:
My identity was stolen. I have already reported the information to the police but the credit bureaus are still reporting the information ; in violation of FCRA SS 605B of US Code. I have sent them the information, the police report. copies of, my identification and also utility bills. 

They have removed some of the fraudulent accounts but still several remain. 

This has been going on for over a year. It is causing me significant damages as I am unable to get a new job or apply for credit. They are violating the law and damaging my reputation. 

I have wasted dozens upon dozens of hours trying to get the situation rectified but it seems they only care about the money being paid to them by the creditors and not the law or my rights.

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 2019-07-20 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: FL

Complaint narrative:
My identity was stolen. I have already reported the information to the police but the credit bureaus are still reporting the information ; in violation of FCRA SS 605B of US Code. I have sent them the information, the police report. copies of, my identification and also utility bills. 

They have removed some of the fraudulent accounts but still several remain. 

This has been going on for over a year. It is causing me significant damages as I am unable to get a new job or apply for credit. They are violating the law and damaging my reputation. 

I have wasted dozens upon dozens of hours trying to get the situation rectified but it seems they only care about the money being paid to them by the creditors and not the law or my rights.

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 2019-07-20 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I purchased a prepaid extended warranty and maintenance package from Nissan on XX/XX/XXXX, when i purchased my vehicle. The warranty was for a 2012 XXXX XXXX VIN XXXX Warranty # XXXX Application # XXXX. The plan expires XX/XX/XXXX or 100K miles whichever comes first, but unfortunately the car was totaled in a car accident on XX/XX/XXXX. I was informed by a Nissan rep that they would refund me a prorated amount, which will be sent to the Lien holder ( NMAC ) and the amount would be credited against the principle of my loan. When i spoke to Nissan Consumer Affairs they stated they'd send NMAC {$660.00} and it'd take 2-4 weeks. When I  called NMAC 4 weeks later they hadn't received anything. 
On XX/XX/XXXX I contacted Nissan consumer affairs ( Case # XXXX ) and they stated they were working with the policy administrator to investigate the status of my missing refund check. Then on XX/XX/XXXX they emailed me stating the check had been reissued to NMAC and it'd take another 2-4 weeks. I assumed it was taken care of until i obtained a credit report and saw that NMAC had me in collections for {$660.00}. I tried disputing it through the 3 major credit bureaus but NMAC kept  stating the debt was accurate. Finally I filed a report with the XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX NMAC admitted to them that they sent the check to the wrong place and stated they would credit my account for {$670.00}, leaving me with a {$0.00} balance. I accepted this response and patiently waited. It never occurred. I tried disputing it again through XXXX, this time with the report from the XXXX XXXX XXXX, and NMAC refused to revise my credit report, and added even more damage to the report by stating my payments were late from last year to present.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has failed to delete the collection account from XXXX   XXXX. We have no business with them nor did we owe them money. Our busines was with XXXX and we have no delinquencies with them nor have we ever had in the past. The XXXX XXXX account needs to be deleted by TransUnion now!!! We have been trying to work with them through their dispute process however they have failed to review and remove the negative rating.

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 2019-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XX/XX/19 For the last 2 hours I tried probably a dozen times to contact Experian to reset a security freeze via phone and website. No option by telephone with probably six calls. By website I'm repeated told PIN # is not valid after completing the same form. The PIN in my file and sent today via email is rejected. Help! This astonishes and concerns me that a powerful organization blocks legitimate access. 
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 2019-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Just notifying you of bad business practices by several mortgage lenders. My wife and I recently bought our first new home in XXXX, and have now been subject to two transfers of our mortgage as of XXXX. On top of this we have received several notices in the mail of companies wrongfully claiming to be the new servicers of the loan due to what is presumably our mortgage lender publicly disclosing our mortgage details. The companies in question thus far have been XXXX XXXX XXXX for the information disclosure and Shellpoint Mortgage for buying our mortgage and reselling it within a month of purchasing it to a new undisclosed lender that I know nothing about. This is ridiculous that I need to setup yet another account with a new lender that may or may not be my lender in a month. I dont want to default on my mortgage but I dont know who to legitimately pay due to these shady and misleading practices that seem entirely unnecessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have been trying to keep come current on my mortage. 
Had conversations here and there where representives told me all along that as long as i was making payments and not over 240 days late i should be fine. 
Had been making my payments up until XX/XX/2019 when my mortage servicer advised all past due payment had to be made in full. I wad asked by represententive ro borrow the money and pay past due amount and get it over with. Something to which i beleive is so unprofessional. 
Later receiving a letter where mortage servicer is in bankruptcy. 
Making me wonder if this is a reason why my petittion for a loan modification is not being handled the proper way. 
And later receiving a letter with a new acct # from original acct. 
Asked for loan modification to my mortage servicer. Which i just kept getting letters requesting same missing information. Never received a denial, only application to submit or missing information letter. 

After they referred loan to forclosure. 

With no progress on loan modification requested. which lead me to hire a loan advisor to help with loan modification. 
On or about XX/XX/2019 an other loan modification paper work was sent through loan advisor. On or about XX/XX/2019 loan advisor called on a 3 way call to verify on documentation sent. And was advised that no modification paper work was received. To which loan servicer resent. 
On or about loan advisor called me to mention that we have a 3 month trial period before final modification. 
Yet We since have received same letter requesting missing information, which is sent every time requested. 

Im now here with a letter that has a sale date on my property. 

I am being honest explained at the time reason of hardship via letter attached on modification paper work and phone with repprisentives. I have also explaines hardship is now over since XXXX and was ready to come current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: TX

Complaint narrative:
I received a net spend debit card with my information on the card. I did not apply for this net spend. This is the second time I received this. I called the net spend company and told them to stop sending me this. I did not request 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 2019-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: NY

Complaint narrative:
I was charged overdraft fees from Key Bank and I opted out of their overdraft protection and was told the transaction would be declined as I wanted it. I was hit with XXXX fees XXXX overdraft fees of {$XXXX} each and a {$XXXX} fee for not settling the account in XXXX days. I contacted them ans they waived XXXX of the XXXX fees and said sorry we cant waive anymore. Its misleading when I opted out of thier consent for overdraft and yet still get hit with a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
someone use my information and created this bill and this is fraud and identity theft and I want it removed as soon as possible

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: AZ

Complaint narrative:
In XXXX of 2018, I completed a contractual agreement with XXXX XXXX. For approximately 6 months, I had been disputing overcharges and incorrect late fees and made several phone calls to them to no avail. On each call, I requested an accounting of how they arrived at the " balance due ''. They continually refused my request, even when put in writing. At the conclusion of the contract, they sent me a final bill to which I disputed and even offered to discuss a compromise to resolve the issue. They ignored my dispute & placed it with a collection agency, XXXX  XXXX. who reported it the XXXX, Trans & XXXX. I sent the agency a detailed dispute with a demand for damages for their continual auto dialing of my cell phone without consent and after being advised not to. They simply replied with the last 3 bills, which is what I was disputing. They also failed to temporarily remove the item or note the dispute from the bureaus. I also disputed the item online with the bureaus. I never received a response from Transunion or XXXX. After investigation, XXXX removed the item. Shortly after that, I discovered the item had been removed from the others. After a few months, XXXX placed the item with a new agency, XXXX  XXXX who placed it back on all 3 bureaus again. I wrote a letter to XXXX XXXX, who also ignored me. Again, XXXX removed the item with no response from Transunion and XXXX. After a few months, XXXX placed the item with a new agency, XXXX, XXXX who placed it back on all 3 bureaus again. Again, XXXX removed the item with no response from XXXX. Transunion took a dispute by phone but sent me a generic response. No one will provide me a detailed accounting of what they claim I owe

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 2019-07-21 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:
My identity was stolen and used by an unknown person. I contacted the credit bureaus to place an alert. A police reort was filed and it appeared 3 or 4 accounts had been opened. I had MY ID Card, the company assigned to help me by my employer ( my ID was compromised as a result of a database hack ) We spoke with Experian, sent them the police reports, and they have been playing games with me. One account, XXXX XXXX has not come off. It is destroying me and my chances at employment. Yesterday I called and they told me yet s 3rd, yes 3rd investigation would be done. They are willfully not complying. They can not verify this information from the account because it is not mine yet they do not remove 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 non-monetary relief