vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted dispute leters to XXXX via mail on XXXX. I have the proof of mailing on XXXX. 
Today XX/XX/XXXX i received a letter stating that the timeframe for response was extended by 15 days due to additional information regarding the dispute being received. The letter states that my original submission was received on XXXX and additional information from me was received on XX/XX/XXXX. As the proof of mailing proves it is not possible that the original mailing was received on XXXX. Moreover, I did not send any additional evidence regarding the dispute. As such, the timeframe to complete this investigation can not be extended by 15 days, and should be completed by 30 days as required by law. 
This same correspondence stated that the proof of address that I sent was inadequate. However based on the list of documents that can be sent, my information was in fact adequate. I sent a copy of my ID and a untility bill dated XX/XX/XXXX - both have the same address, and the utility bill is within 2 month of the mailing date as required. 
I called transunion today and spoke to XXXX. My call was at XXXX. While the representative told me to disregard the extension, she stated that she could not get me anything in writing stating that the timeframe was in fact NOT extended. As such I am contacting this agency regarding the matter to hold transunon accountable to the 30 day timeframe - as they have no grounds to extend investigation by 15 days.

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 2018-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have sent my loss payment check of XXXX for an insurance claim I filed for Hurricane Irma damage to my home. The ck was received by ( Ditech Financial ) my mortgage holder back on XX/XX/2018. I sent them all requested documents except a detailed estimate from the insurance carrier. This estimate that they are requesting was not given to me.As the claim was a negotiated settlement amount that was agreed to by both the insurance carrier and myself. No such estimate exists and i can not supply them with this document as they are requiring to release the {$28000.00} dollars that they are holding. They only sent me {$5000.00} to commence repairs. I have sent them a contract that I have with a roofer for {$7700.00}. I had to pay my public adjuster who negotiated the claim, his fee for services of {$3700.00}. for which I sent the receipt of payment. I am caught in a very difficult position of how to proceed with repairs without the necessary funds. My roof is still leaking and conditions are getting worse. Ditech refuses to release any additional funds as they tell me " their investor requires this detailed estimate to release the funds ''. This is impossible to do as my public adjuster explained to them. It is a negotiated settlement for a fixed dollar amount. My attorney sent them a letter on XXXX-18, so as to release all funds as to continue repairs, and they have ignored his petition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am having trouble getting my mortgage company to help with loss mitigation.

My mortgage Doubled in the monthly amount. I asked for a modification after Hurricane Harvey. I lost so much after the storm and am trying to recover. My husband walked out and left, therefore my income decreased, However I am still working but just need help lowering my monthly payments until I get back on my feet.

If there is anything that can be done to help me save my home I really appreciate it. I have young children and we need to keep our home. They have already been through so much devastation

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 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MB FINANCIAL, INC.
State: IL

Complaint narrative:
I paid my XXXX mortgage payment on XX/XX/2018 at a MB Financial branch. The statement generated on XX/XX/18 reflected the XXXX payment as not received. I called and talked to a customer service rep who stated there must have been a delay in processing. I have received several automated calls from MB Financial stating my XXXX mortgage payment was not received and my XXXX payment is late. I paid XXXX 's payment on XX/XX/18 at a MB Financial Branch. I have both of those receipts along with my cancelled checks reflecting both payments were made on time. This has been an on going issue with MB Financial and their payment processing delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: CA

Complaint narrative:
I have submitted a request to have multiple inquires that I did not give authorization or have any knowledge of to be removed from my credit report. 
I am told that they are a statement of fact thus they will not remove them. I have provided documents stating that they are not facts or accurate and asked for they removal without success. 
The following inquires are inaccurate and without my consent : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2018-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP
State: GA

Complaint narrative:
this company claims that I owe them a debt, and put a negative mark on my credit report. I sent this company a debt validation letter to have them clarify this debt. the company called me and left a voicemail stating that if I don't answer the phone, they wont validate the debt. According to the fair debt collection practices act sec 809 once a debt is disputed, it must be validated. so ignoring this letter is a violation of the collection practices act. I would like everything documented in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: GA

Complaint narrative:
I recieve quarterly credit updates for all three bureaus through a credit monitoring service. To date, the negative information placed by XXXX has been recently removed/aged off on both my XXXX   and XXXX reports. Upon noticing that Equifax was still reporting it and affecting my credit score, I went on their website to dispute the account still appearing. While reviewing what was listed, I noticed many discrepancies. First, Equifax was showing a " monthly payment '' for months when the account was already in a " chargeoff '' status. More importantly, they are reflecting a 1st delinquency date of XX/XX/XXXX which is inaccurate. That is when it was placed as a charge off, but the 1st delinquency date was after the last payment was made in XX/XX/XXXX. My credit monitoring report from XXXX shows the 1st delinquency as XX/XX/XXXX which is 60 days after the last payment was made. When I called them today, the representative stated they will reach out to XXXX and I need to wait 30 days. She told me I will have to wait until XX/XX/XXXX. This is not an XXXX issue, but an Equifax issue. They are reporting false information and are refusing to follow the law and remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
I got the loan check in the mail from Personal Finance Company. They mailed a check for loan and all I had to do was sign it and cash it ; which I still have that letter. I paid my payments diligently. Subsequently, Mariner Finance took over this business. I had paid out a money order 2 payments of {$170.00}, which Mariner claimed to have not gotten, which I honestly believe they had the money order. So, they had me to come in to discuss the missed payments. While there I was told about the missing payments and that they didn't receive it. So, I said I was willing to make those payments so that I will have the same payout date. But, the man handling my account was very aggressive as to having to rewrite the account, which I was alright with but I did tell him I wanted the same payout date. I'm filing this complaint as usey because I feel like they are recharging me and I'm again STILL paying a finance charge of {$570.00}. My problem is why after paying on this loan for 5 months previously am I still paying interest of {$570.00}. It just doesn't sit right with me. 
XXXX XXXX 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 2018-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My bank, Capital One, has been preventing my data from being used by financial services apps. Its prohibited me from creating online account that help me save money through non-traditional savings account means. The problems started occurring maybe about 2 months ago and Capital One has yet to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: OH

Complaint narrative:
Hello, I am complaining about XXXX XXXX AKA XXXX XXXX XXXX AND equifax. 
On XX/XX/18, I discovered accounts on my report. I reported these to all 3 credit bureas. Equifax has not responded nor has XXXX XXXX XXXX. On XX/XX/XXXX, I called equifax. On approximately XX/XX/XXXX, equifax added an additional unknown account to my file called XXXX XXXX. Dispute is also noted next to my new credit card account ( which is not disputed and I opened a few days ago to build credit in preparation to buy a home. There are {$1.00} payments being added and subtracting from the XXXX XXXX aka XXXX to make them active. I found out XXXX is using unknown credit cards from XXXX years ago and renewing the the active dates to harm my credit score. I opened XXXX online disputes, however, I am denied access to them with the reason saying " unable to verify your information ''. I received the same thing with an email dispute. I have held on the phone for 3 hours trying to reach equifax personnel in disputes. It is a difficult process that only tells you what you have already read on your report. Questioning equifax about XXXX XXXX resulted in an immediate XXXX point drop in my credit the next morning with no explanantions. I have waited since XXXX. The 30 days are way past what I should wait. No call, no email, not 30 response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have 2 fraudulent atm transactions on my Chase debit card. I filed a claim and it was denied. The reason they gave me is that the PIN was never entered incorrectly. What does that have to do with anything? So whoever stole my PIN number typed it in correctly. BIG DEAL!!! That has no bearing on my claim. They also they denied me because the account was open less than 30 days ago. Again, what does that have to do with the fact that my card and PIN was stolen? The third reason they said I was denied is that there are charges after the ones I disputed that I did not dispute. That is completely false. There are no charges after the 2 fraudulent ATM transactions in my dispute. There is an ATM charge from Chase but thats all. The 2 transactions in my dispute are both for {$500.00}. One is on XX/XX/XXXX and the other is on XX/XX/XXXX. There are no other transactions after that. If there were then I would dispute those as well. The only thing other than the fraudulent ATM transactions is the atm fees. They should be reimbursed as well. I cant believe a bank as big as Chase could have such a poorly executed fraud investigation. The transactions werent mine, so honor your zero liability policy!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I had contacted mariner finance about the account showing closed and collections account on my credit reports and they said its not closed but went to a collection status when i missed XXXX payment. And now its currant and have been paying them and still shows closed on my credit reports with no payment history showing. So every payment i make doesnt show. And its not a closed account its still active. And they refuse to fix it .ive contacted there corporate office and left messages and no phone calls back to let them know whats going on. I would like this fixed cause it has dropped my score and 2 other people on this loan 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 2018-07-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
XX/XX/2018 initiated paying off my home mortgage loan with XXXX XXXX XXXX. I was advised to call XXXX XXXX XXXX ( XXXX ) to have them stop taking withdrawals from my XXXX XXXX bank account but they already had. I was told to find out if they sent my money to the mortgage company - and if they had they would calculate the 'motgage payoff ' amount taking that into account, and if not ( i.e. XXXX was holding my money ) then I was to request that they send it back to me. They took my money ( {$2300.00} ) and did not send it to XXXX and I have been trying for 6 months to get them it send it back to me. 
I am beyond frustrated with the lies and complicity of this fraudulent company. I have spend countless hours -on hold, being given the run around, blatant lies, being asked for bank info so they could directly deposit - which they never did, being asked for mailing address to 'send the check ' which never arrives. Trying to 'escalate ' to a supervisor/manager someone that could actually just do the right thing, but still getting people XXXX ( twice ), XXXX XXXX XXXX XXXX XXXX   etc etc who just lie and say they will return my money. The last one was a doozy - after hours on the phone I supposably was talking to a manager - 'XXXX XXXX from the XXXX XXXX call center that told me she could see record of the escalation sand multiple 8 attempts on record and told me that the Ohio call center was in the process of closing down so that is why no follow up was ever done. She assured me ( like all the others ) that this would be resolved and a check for {$2300.00} would be returned to me - XXXX XXXX XXXX, XXXX CA XXXX. Like the last 5 at least I told them the XXXX quote of 'insanity is doing the same thing and expecting different results ' so how was I to believe this would actually happen? She promised she would call me in 3 days to follow up. I asked her to call me right back after we hung up so at least I would know she had the capability to do so and she did!! I had hope. Sadly that was on XX/XX/18 and I haven't heard or received a thing. I can't keep calling back and expecting anything to be different. I know this country has gone to * & ^ % with a malignant narcissist in power but does that mean all companies can companies run amok and defraud citizens? This company did from the get go by calling and claiming that they were from my mortgage company and my mortgage would be paid off faster wo fees. When I found out it was fraudulent I tried to 'undo ' pay map /equity accelerator to no avail. So I borrowed money to pay off my loan ( and be done with them ) and they still are stealing my money. Please help me recover my {$2300.00} and I promise I will never be stupid enough to trust a US financial company like that again! Thank you so much XXXX XXXX ( XXXX is XXXX XXXX - fyi bc has both our names on the CFPB site )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted Experian about an inaccuracy on my credit report. The item XXXX acct # XXXX shows a payment history of 3 years and shows an updated negative mark XX/XX/XXXX almost three years after the account was settled! XXXX sent me a letter indicating after sending the proof requested that they would not pursue this debt any longer after XX/XX/XXXX. 
The debt is showing on my credit file as a negative mark as recent as XX/XX/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 2018-07-19 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: BTH Management
State: OH

Complaint narrative:
I was viewing the details of my credit report and I saw that XXXX XXXX had some inaccurate account on my file that I don't recognize. I was looking at the FRCA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX I closed on my house using XXXX XXXX  as my mortgage company. I was told my first payment with them would be XX/XX/XXXX. When I had not heard from XXXX  at the end of XXXX, I contacted agent ant XXXX and after a few days she emailed me that my loan had been sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I tried to get in contact with the company but I did not have a loan # to access when I got in touch with them since I had never received anything in the mail. I finally contacted customer care and got a loan # and also corrected my address in which they also had wrong. During the conversation I asked when my XXXX payment was due and I was told XX/XX/2018. I followed up by accessing my account on line which also said payment due date was XX/XX/2018 but had no amount. On both XX/XX/XXXX and XXXX I accessed my account online where it still said amount due XX/XX/2018 but had an amount of {$0.00}. I made my payment of {$1500.00} on XX/XX/XXXX even though it said I did not owe anything. Today I received a collection call from XXXX XXXX XXXX saying that I was behind on my mortgage and that I had not paid XXXX mortgage payment. I told the rep that I had been in contact with their company and was told that I did not have a XXXX payment and I confirmed on the web site that the first payment was due XXXX XXXX but no amount was due so I paid what was on my closing papers. The rep advised me that I was suppose to make a payment but their company had misapplied the exact same amount {$1500.00} on XX/XX/XXXX so it showed that I had made a payment but it was actually someone else 's payment. I told the rep that on my first call, I was told my first payment was to be XX/XX/2018 and not that my next payment was on XX/XX/2018. As of today, I went back to my online account and it now says next payment due XX/XX/2018 amount {$1500.00}. I also shows a payment made of {$1500.00} on XX/XX/2018. I believe that I have made the payments that I was suppose to have made but now I am being asked to make another payment today XX/XX/18 and another one on XX/XX/18 totaling {$3000.00} which I don't have. I will have my regularly schedule payment reedy for XX/XX/18 but not the extra {$1500.00}. By this time, I will be outside the 60 days of protection from them reporting me to the credit bureau as well as accruing interest and late payment fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I contacted American Express Blue Bird on XX/XX/2018 about XXXX charges for products that I purchased, but never received on the expected delivery date because the company closed. I contacted American Express Blue Bird as soon as I received an email from the company ( XXXX XXXX ). I explained to the dispute resolution specialist that I had purchased these XXXX products with an intended delivery date and that before that date I received an email from XXXX XXXX   stating that effective immediately that were closing there business. That XXXX XXXX 's phone number was disconnected. I also tried emailing them, but never received a response. I provided the information requested by Blue Bird as soon as I received an email from them. It has been over 2 weeks and I can not seem to get any information form American Express Blue Bird now. It's beginning to look like I'm getting messed over twice.

Company response to consumer: Closed with explanation