vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: AR

Complaint narrative:
On XXXX after receiving an alert regarding an account appearing in my XXXX credit file, I immediately contacted midwest recovery systems regarding a debt from a Mastercard claiming that owe {$670.00} I explained to the representative I never owned a mastercard and that I had been a victim of identity theft. I asked the rep whom did midwest recovery systems purchase the debt from which he insisted the debt was owned by a company named XXXX XXXX etc. In addition I informed the rep on the phone I never received any initial 5 day notice from the owner of the debt nor any correspondence regarding this debt which is another violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
In XXXX of this year, I knew I was getting very close to the 80 % LTV to terminate PMI payments on my mortgage. I contacted the servicer and filled out the form, made an additional {$11.00} payment in early XXXX to get to their requested value and paid a {$120.00} certification fee to have the PMI removed. I had two phone conversations that indicated that I had made the necessary steps. Nothing happened. In XXXX, I reached out to the servicer again. They indicated that I needed to submit the form again, which I did, but now two months later nothing has happened. I believe now that I am well below the 78 % LTV to require automatic termination of my PMI, yet nothing has happened to my claim since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have multiple XXXX XXXX double reporting on my XXXX XXXX. It does not provide account numbers but I know I only had 2 and it is reporting 4 collections with supposedly different balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: UT

Complaint narrative:
I have multiple XXXX XXXX double reporting on my XXXX XXXX. It does not provide account numbers but I know I only had 2 and it is reporting 4 collections with supposedly different balances.

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 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have multiple XXXX XXXX double reporting on my XXXX XXXX. It does not provide account numbers but I know I only had 2 and it is reporting 4 collections with supposedly different balances.

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 2019-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
on XX/XX/2019 i went to bought a used car from XXXX XXXX  XXXX. 
My loan agreement said due date on XX/XX/2019 and I was making a payment for XXXX month was pass and nothing and on XX/XX/2019 i made again ... nothing till XX/XX/2019 they told my the money was return. i gave them the reason because my phone lost on XX/XX/2019 and i was stop any payment that was pending on bank account and i don't have a phone after that on Saturday morning XX/XX/2019 the bank was sent repo company come to get my car the problem is .... i wasn't late but i have a problem with my phone somebody took it and what they gon na do with my phone who know i have to stopped right away ... and I have a police report to proof that too. 

I try to ask what I'm gon na do they told me i pass 3months payment ... I'm feeling like what my 1st due date was on XX/XX/2019 and only 2month and 16days right and I still have time on the agreement said 3 month Calendar so they got me wrong since 1st due date and I was complaint last week and the answer u can see in the file. I agree to pay XXXX to get my account and car back and I need them to send me a detail what are myXXXX go for .... the detail but nothing back to me but keep asking me for the payment that I have to pay ... i understand i have to pay but where is the detail of XXXX that i paid for get the car back and I asking for change due date the answer is NO. What are my choice? and How they count the due date. 
and now my car was repo 2nd time they said i was behind payment 37days but  I'm not ... l asking for detail and please explain to them they got the wrong due date and wrong repo ... My property in the car when they repo at XXXX and I was sleeping.. 
I have to paid for get my stuff back but not all my stuff that i got back. 

I called the bank asking for stuff that i didn't get. 1st call they told me if not all my stuff calling them back. 2nd i call to told them that i'm not get all my stuff .. they told me to called the repo company ask them ... This is what my experience with GRANDVIEW FINANCIAL SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX ( on behalf of Avio Credit ) ran a debit transaction on my debit card for approximately {$2800.00}, without any notice or authorization. I originally took out a loan with Avio Credit in XXXX of XXXX, and subsequently worked out a payment plan with Avio Credit and XXXX XXXX in XXXX of XXXX. The first payment did not go through, and I attempted to contact both companies but received no response and received no further communications from either entity ( XXXX XXXX claimed to have sent letters but I have received no such letters from XXXX XXXX ). 

A year later, XXXX XXXX charged the {$2800.00} referenced above to my debit card without any notice or consent. In doing so, the charge caused a number of items to bounce and led to approximately {$400.00} worth of overdraft fees. I also cancelled my debit card because the transaction appeared fraudulent ( and was traveling when this happened, making this even more difficult ). I subsequently contacted Avio Credit on XX/XX/XXXX, and was told that they had placed the account with XXXX XXXX and didn't run the transaction themselves. On XX/XX/XXXX, the first day I could get a hold of someone at XXXX XXXX, I was told that they believe the transaction is valid and that they would not refund it. 

I have disputed the transaction with XXXX and intend to take legal action, but wanted to raise the complaint here because this is a clear abuse of the FDCPA. Running a debit card transaction for the whole " amount '' without notice or consent is unconscionable and amounts to theft. In doing so, Avio Credit and XXXX XXXX essentially placed themselves above essentials such as food and daycare, as well as other creditors who now will not get paid because of their tactics. I say " amount '' because I had no way to verify the amount since there was no notice - there's no way to know that XXXX XXXX did not add fees or interest. The practice is unconscionable and against the law, and both agencies should be thoroughly investigated and punished accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have had a synchrony bank Walmart credit card for 2 months now and when I make payments, They will take the money from my bank account within a day but do not replenish my credit line for 10 days and say it's because I have made more than one payment in a billing cycle. So they take my payment and say it's posted but do not release my credit line. It seems suspicious and if they held enough payments from people for long enough it sounds like some type of gaining interest scheme.

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 2019-09-03 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: TN

Complaint narrative:
XXXX XXXX XXXXXXXX SAID THAT I OWE THEM XXXX DOLLARS FOR RENT THAT IS NO WAY POSSIBLE THEY STOP TAKING MY PAYMENTS AND WOULD NOT TAKE THE LADY THAT I DEALT WITH I DONT REMEBER HER NAME, BUT THEY DID ME WRONG, AND THIS IS NOT THE RIGHT PRICE AND NBEED TO BE DELETED IMMEDIATELY BECAUSE THEY WOULD have BEEN DONE PUT ME OUT WAY BEFORE THIS BECAME THIS AMOUNT

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 2019-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: VA

Complaint narrative:
Cascade Capital collections ( XXXX ) calling me at XXXX for " XXXX XXXX ''. My number is business number held by me for XXXX yrs I have never known a " XXXX XXXX '' or any name close to. I have been harassed for XXXX years by one collection agency after another. FTC and CFPB complaints filed ( XXXX ) against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2019. Each time I was assured no further calls would be received. ( In writing by the lawyer for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2019 ) None the less these XXXX, XXXX XXXX collection agencies sell or transfer the collection account to new agencies who start calling me again. It would be nice if the Federal employees charged enforcing these laws would actually do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: MD

Complaint narrative:
n XX/XX/2019, the President shut down the XXXX XXXX for a month and a half. Because of this I couldn't maintain my mortgage because we didn't get paid 2 checks. XXXX put me on a Forbearance plan until XX/XX/2019. Those missed months will be worked into a Home Modification plan in XX/XX/2019. When XXXX came, XXXX XXXX took over from XXXX with my account and start the process for Loss Mitigation plan. I was to maintain my $ XXXX monthly payment and try to catch up the {$8000.00} balance from the miss months. I was told that because I'm in this process of sending documents to their underwriters and maintaining my monthly payments. They wouldn't report any 30 day late payments. Well I didn't miss any payments and I just finally paid the entire balance in XX/XX/2019. They are still working on my Loss Mitigation/Home Modification package. Last week, Myfico account report a 30 days late from XXXX XXXX on my XXXX and Transunion and dropped my score 64 points. This should be removed based on the information I stated and was told. I'm including documentation.

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 2019-09-03 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: TX

Complaint narrative:
This is my 3rd time attempting to have XXXX, XXXX, and TransUnion remove these accounts from my consumer reports. They refused. I've filed police reports, FTC reports, and other things to have them removed.

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 2019-09-03 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: OH

Complaint narrative:
I have a fraudulent inquiry on my report from XXXX XXXX. Each bureau was sent a deletion letter on XX/XX/XXXX from XXXX, who had already identified it as fraudulent. 

To this date, the inquiry remains on my report and it is affecting my ability to refinance my house. 

I have tried disputing the information with Transunion but they don't have a mechanism to do this online or over the phone, and won't provide any information. 

My XXXX online account has been compromised - despite having a secure password, the email address was somehow changed on my account without my knowledge, and any username/password requests go to a different email and there is no mechanism to disable the account or create a new one. And there is no way to talk to a customer service human on the phone. 

XXXX does not allow you to upload any supporting documentation for an inquiry, so they immediately close a dispute without any resolution despite receiving a deletion 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 non-monetary relief
Consumer complaint received 2019-09-03 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: FL

Complaint narrative:
On XX/XX/2019 I experienced hardship due to the XXXX shut down that had taken place. I called into XXXX XXXX and spoke with a Representative who advised he was not able to assist me. When logging in to make my monthly payment the option for a payment arrangement was offered. At NO point did it mention by signing up with this payment plan I would be reported late to the credit bureaus. I received Multiple 30 day lateness on my credit report. For the month of XXXX, XXXX and 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 2019-09-03 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: FL

Complaint narrative:
On XX/XX/2019 I experienced hardship due to the government shut down that had taken place. I called into XXXX XXXX and spoke with a Representative who advised he was not able to assist me. When logging in to make my monthly payment the option for a payment arrangement was offered. At NO point did it mention by signing up with this payment plan I would be reported late to the credit bureaus. I received Multiple 30 day lateness on my credit report. For the month of XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: FL

Complaint narrative:
On XX/XX/2019 I experienced hardship due to the government shut down that had taken place. I called into XXXX XXXX and spoke with a Representative who advised he was not able to assist me. When logging in to make my monthly payment the option for a payment arrangement was offered. At NO point did it mention by signing up with this payment plan I would be reported late to the credit bureaus. I received Multiple 30 day lateness on my credit report. For the month of XXXX, XXXX and 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 2019-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Collections account from DIVERSIFIED CONSULTNTS {$1300.00} 1yr 2 months current age Collections account from XXXX XXXX XXXX {$610.00} 5 months current age With a total of {$1900.00} in debt that is not mine I have no knowledge of these accounts at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: MD

Complaint narrative:
n XX/XX/2019, the President shut down the federal government for a month and a half. Because of this I couldn't maintain my mortgage because we didn't get paid 2 checks. XXXX put me on a Forbearance plan until XX/XX/2019. Those missed months will be worked into a Home Modification plan in XX/XX/2019. When XXXX came, XXXX XXXX  took over from XXXX with my account and start the process for Loss Mitigation plan. I was to maintain my $ XXXX monthly payment and try to catch up the {$8000.00} balance from the miss months. I was told that because I'm in this process of sending documents to their underwriters and maintaining my monthly payments. They wouldn't report any 30 day late payments. Well I didn't miss any payments and I just finally paid the entire balance in XX/XX/2019. They are still working on my Loss Mitigation/Home Modification package. Last week, XXXX account report a 30 days late from XXXX XXXX  on my XXXX  and XXXX and dropped my score 64 points. This should be removed based on the information I stated and was told. I'm including documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank, per my citi MasterCard has liquidated my account, and online services and ability to pay by phone 24/7 ( through an automated system ) has be discontinued. NOTE the account was closed in XXXX during the financial crisis because the credit card wanted to increase my interest for no valid reason or gave me the option to close to prevent the increase. But now Citi has liquidated this account, when it is almost paid-off and payment options are so poor, it sets one up to miss making a payment. 
The service phone number on my statement takes me to agents who can not find my account or help me. I work during the day and the only time the phone line is available for service is during business hours and I struggle to call during breaks at work and this is not how customer service should occur.

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 2019-09-03 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: TX

Complaint narrative:
This is my 3rd time attempting to have Equifax, XXXX, and XXXX  remove these accounts from my consumer reports. They refused. I've filed police reports, FTC reports, and other things to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: TX

Complaint narrative:
This is my 3rd time attempting to have XXXX, Experian, and XXXX remove these accounts from my consumer reports. They refused. I've filed police reports, FTC reports, and other things to have them removed.

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