vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 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: HI

Complaint narrative:
XXXX XXXX XXXX XXXX shows with TransUnion I have a balance of XXXX, however this has been paid in full.

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 2017-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: HI

Complaint narrative:
I have a collection account on my credit report from XXXX that does 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 2017-11-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
DATE OF LETTER ; XXXX They put too many obstacles in place to pay down your mortgage. Wen you set up your account for them to make pay bi-weekly thru auto withdraw from checking account they do not post payment until the whole payment is in. I was just informed they will no longer be accepting bi-weekly payment, after I set up automatic withdraws over a year ago and have been taking payments out bi-weekly that they control. I had not wanted them to have access to my account but it was the only way they would accept bi-weekly payment and post them in a timely manner. I feel that they want the consumer to spend 30 years paying the mortgage at this point and i have had nothing other then problems with this company since my home loan was assumed by them due to it being sold off to them. I have worked with many other mortgage companies and never had so many problems.my complaint is why are they dropping or saying they no longer accept bi-weekly payments and is it even legal do pull this stunt? 
i attempted to contact them but after being on hold for about a 1/2hr. i finally hung up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
On my Transunion credit report it shows also know as XXXX, XXXX, XXXX, XXXX not me. 

It show Employer XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Have never worked for them Have worked for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX Have never lived at XXXX XXXX XXXX XXXX XXXX UT 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 non-monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
On my XXXX credit report it shows also know as XXXX, XXXX, XXXX, XXXX not me. 

It show Employer XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Have never worked for them Have worked for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX Have never lived at XXXX XXXX XXXX XXXX XXXX UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
On my XXXX credit report it shows also know as XXXX, XXXX, XXXX, XXXX not me. 

It show Employer XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Have never worked for them Have worked for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX Have never lived at XXXX XXXX XXXX XXXX XXXX UT 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 non-monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I took out a loan with this company, Mariner finance. Shortly after my student loans kicked in and I was n't able to afford the payments for this loan. I contacted a debt relief company to help me manage my loans I had and get them paid off. Mariner would not work with them not even talk to them. They filed a judgement against me. I contacted the branch and was told to send my paystub and their lawyers would review it and my current debts to establish an acceptable payment. I did n't hear from the branch for weeks and I kept calling for the same representative. Now they have put a bank levy on my account and I have no access to my bank at all and I ca n't get a hold of the person who told me to send my paystub for review as I was trying to make arrangements I could afford.

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 2017-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi I had stayed at a XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX and XX/XX/XXXX. The hotel had put a hold on my card, a prepaid card with XXXX XXXX XXXX card for {$110.00}. They immediately released it upon my checkout date, XX/XX/XXXX. I have been getting different answers from XXXX every single day as to why I havent received my funds back onto my card. One day, its 3 business days. The next day its 8 business days. Now its 21 business days! I am nearly penniless, and they say I may now have to wait until XX/XX/XXXX until I get my funds back. How is this legal?!

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 2017-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
I called the HSBC to close my account of 2 credit cards XXXX XXXX, 2016. I specifically told them to cancel both cards and not open new ones. I then paid the balances of both cards shortly thereafter and expected to have no further dealings with the company. After several weeks I find out that 2 new credit cards were opened and charges were allowed to occur on both of them, without my knowledge or authorization. The charges amounted about {$30.00} per card, but to date, due to interest and late fees, the total is now several hundred dollars on each card. I have called HSBC multiple times this past year to try to resolve this problem and I keep getting bounced back and forth between the customer service dept. and the fraud dept. I have spent hours on the phone to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29 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: HI

Complaint narrative:
I have an account with XXXX XXXX XXXX XXXX that was a signature loan that went into default because I missed 2 payments. I have brought the account current and I am making payments on the account. The account shows Collection/Chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: HI

Complaint narrative:
I had a secured credit card with XXXX XXXX XXXX XXXX that we past due 2 months. I caught up the payments and paid off the balance. On my XX/XX/XXXX and Equifax report is show collection/chargeoff account. The account was past due 2 months but was paid off in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 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: HI

Complaint narrative:
I had a secured credit card with XXXX XXXX XXXX XXXX that we past due 2 months. I caught up the payments and paid off the balance. On my Experian and XXXX report is show collection/chargeoff account. The account was past due 2 months but was paid off in full.

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 2017-11-29 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: HI

Complaint narrative:
XXXX XXXX XXXX XXXX has a signature loan that is currently open an in good standing. On the credit report with XXXX, Experian and XXXX it shows the account is collection/chargeoff. The payment was behind 2 months but has been brought current.

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 2017-11-29 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have sent letters to Navient-Department of Education Student Loans on XX/XX/XXXX, XX/XX/XXXX, and X/XX/2017. Asking for verification of the original instrument of indebtedness in its original form. In response Navient sent letters dated XX/XX/XXXX, XX/XX/XXXX, a copy of the promissory note. According to 18 U.S. Code subsection 474, Whoever with intent to defraud, makes, scans, captures records with intent to be used in forging or counterfeiting any such obligation or other security except by direction of some proper officer of the United States Is guilty of a class B felony. Navient have the digital, scanned, reproduced prommissory note in its possession. Unless such use was authorized by the Secretary of the Treasury. I feel as a consumer my rights have been violated. My wish is for the Consumer Financial Protection Bureau to demand on my behalf that Navient produce the original instrument of indebtedness in its original form like I asked before or remove all of this consumers financial accounts with Navient from all 3 credit bureaus ' including a XXXX balance for their treasonous deeds and all will be forgiven. All relations with Navient are now in question for passing fraudulent and misleading information to disgrace this Consumer. Consumer would also like to thank CFPB for protecting his Personal, Family, and Household.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service Company, INC
State: CO

Complaint narrative:
Hi, I went in for my annual XXXX on XX/XX/XXXXand had my XXXX XXXX completed by XXXX XXXX. I discovered billing coding error this XX/XX/XXXXafter I was denied credit for a refinance. We I called XXXX XXXX third party collection agency Credit Service Company, XXXX XXXX XXXX XXXX XXXX CO XXXX phone XXXX, to get a copy of the bill for my doctor. The bill had a billing address on XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX I have never lived at that address or used it for mail. The only way I could get anyone at XXXX XXXX to talk to me about the billing error was to pay the bill. The collection agency stated the payment would not be acknowledged on my account for 3 to 5 business days, when XXXX XXXX gave the okay to call the debt as paid in full. I verified with the collection agency that they reported the payment to the credit bureaus, however it would take 60 to 75 days to report. I sent the proof that there was a coding error to the collection agency in XX/XX/XXXX, however they said they have not reviewed it. I spoke with XXXX XXXX today and they acknowledged that they had incorrect account information for me. I have not been able to get anyone in either organization to look at the documentation from my doctor about the billing error and now I can not get refinanced at a reasonable rate, even though my credit is paid perfect other than the billing error. Also, my wife had this debt reported on her credit, even though the services were for me. She did not sign any paperwork accepting liability for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: HI

Complaint narrative:
ERC has a collection account from XXXX XXXX XXXX on my XXXX and XXXX that does not belong to me. We do n't have XXXX XXXX XXXX where I live in Hawaii.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: HI

Complaint narrative:
I have a collection account from XXXX on XXXX, XXXX and XXXX. One says medical and the other 2 say XXXX XXXX XXXX XXXX XXXX XXXX. This is not mine.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2017, There was a XXXX XXXX on sale from XXXX for {$1000.00}. They used XXXX payments through email for the transaction. They would ship the car because they owner said he would be XXXX back to the military. They told me to open two XXXX prepaid cards each holding {$500.00} and send screenshots to them. After a day I went to check the status and there were no such thing. I went to check on the prepaid cards website. Both transactions ( {$500.00} ea. ) statements were forwarded to an auto parts store in XXXX, Michigan. I started to realize this was a scam. I never got a reply from the XXXX people who sent me the payment options for the car. I contacted the XXXX XXXX prepaid customer service line and explained what happened. They told me that they could not do anything and are not responsible for scams. I feel this card company would have done something if I had n't said this was a scam transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
Each month, Bank of Hawaii locks me out of my online account, leaving me unable to pay my car payment. I have to call in, and wait 20-30 minutes to talk to an online representative or go into a local branch to make the transfer. The entire point of online banking is for the convenience of being able to do it from my phone or computer at home, and Bank of Hawaii is failing horribly with their customers on this page. I 've been trying to speak to a customer representative agent the past 3 days to get my account unlocked, but due to excessive waits ( minimum 20-30 minutes ), I have not been able to access my account. They said that they added a new layer of security to their  accounts, yet all it 's doing is preventing me from being able to access my accounts, and is going to be reflective on my credit score that payments are being late- solely due to the fact that I constantly am locked out of my account. It seems as though Bank of Hawaii is doing this on purpose to collect late payment fees, and it seems scammy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In a statement from The XXXX for XXXX XXXX, it said the balance on my account was {$530.00}. It also stated the payment due date was XXXX XXXX, XXXX. My payment in full of {$530.00} was received on XXXX XXXX, XXXX. The payment was made over XXXX weeks prior to the due date. This should have marked my account closed. 
On the back of every statement from The RoomPlace, there is a section stated " HOW TO AVOID PAYING INTEREST ''. It states : " Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment, or Budget Payment Credit Plan from the date of purchase '' However, The RoomPlace charged a {$3.00} interest charge that is on the XXXX XXXX statement. No explanation was given. In every previous month 's bill, there is an Interest Charge Calculation that shows how the APR is determined. No interest charge calculations were given on the XXXX XXXX bill. 

I opened a piece of mail today XXXX XXXX, XXXX stating I now have a balance of {$53.00}. I checked my credit report and The XXXX has now marked my account delinquent for the previous XXXX months. An error in billing by The XXXX required me to talk to three different people. No error was admitted. They called it a " floating fee '' that showed up. I explained that it was clearly charged as an interest fee after the full amount was paid. The step I am at currently is that the charges are " under dispute. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Last week ~XX/XX/17 I started receiving calls from an unknown number. I googled the number and it showed to be XXXX XXXX, though they never left messages nor their identification. I called the number back, twice and it said XXXX XXXX XXXX. The first time they refused to give me any information as I would not give my address as it seemed like a scam but said I owed debt. The second time I called I gave my address and he said he could not find me and that I would have to wait to receive something in the mail. I then called the number on the website instead and with just my phone number they said they were looking for a XXXX. The reason I find this so perplexing and odd is that when I called back the first and second time they repeated a name back to me that was almost like mine. I found this scary so I wanted to pursue the matter. I am unsure how they got a partial version of my name and number, but then said the debt was for someone else. I find it bizarre and concerning and want to make sure the credit I have worked hard to protect is n't going to be affected by some bogus company.

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 2017-11-29 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: HI

Complaint narrative:
I have a collection account on Transunion, XXXX and XXXX from XXXX XXXX XXXX XXXX in the amount of XXXX. I was one of the signers on the account which was a business account. The account was closed by the bank. I understand reporting this against the company but not against me. The account was opened with an EIN number under a business name as a business checking account and not a personal account.

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 2017-11-29 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: HI

Complaint narrative:
I have a collection account on XXXX, XXXX and Equifax from XXXX XXXX XXXX XXXX in the amount of XXXX. I was one of the signers on the account which was a business account. The account was closed by the bank. I understand reporting this against the company but not against me. The account was opened with an EIN number under a business name as a business checking account and not a personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: HI

Complaint narrative:
I have a collection account on XXXX, Experian and XXXX from XXXX XXXX XXXX XXXX in the amount of XXXX. I was one of the signers on the account which was a business account. The account was closed by the bank. I understand reporting this against the company but not against me. The account was opened with an EIN number under a business name as a business checking account and not a personal account.

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 2017-11-29 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Numerous inquiries.. not mine

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