vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
Due to health issues stemming from XXXX and confusion regarding our previous mortgage lender changing to another we thought our payments were being automatically being made. This was not the case and we fell behind on our payments. We called and spoke to the company who instructed us to start making payments via mail. We did that and a few months later the checks were returned and our house was put up for auction. 
The XXXX and XXXX led me to have a XXXX XXXX. We seek compensation for Ditech/Greentree for foreclosing on our home despite our compliance with their instructions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: First Data Corporation
State: OR

Complaint narrative:
I owned a XXXX XXXX XXXX XXXX. The name was XXXX XXXX XXXX, dba XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX facilitated my credit card processing. When I first started with the company in XX/XX/XXXX the bank that XXXX XXXX XXXX used to process credit cards was First Data. 

In XX/XX/XXXX they switched the bank to XXXX XXXX for processing. I worked with their representative and had to sign a document to cancel merchant services with First Data effective XX/XX/XXXX. However due to a mistake that XXXX XXXX XXXX made despite the signed cancellation agreement I continued to be charged bank fees by First Data for 15 months thinking the entire time those fees were from XXXX XXXX. I finally discovered the problem after I had sold my store on XX/XX/XXXX and noticed that my account continue to be charged a fee when I had canceled all merchant services as of that date. 

I immediately contacted XXXX XXXX XXXX. They admitted it was their mistake and something did n't get processed correctly in the paperwork. The general manager XXXX XXXX even told me over the phone that the old merchant number would be listed on my bank statement with the withdrawal and I should have known it was from First Data. After contacting the bank and reviewing all statements this was not the case. There was nothing to identify the withdrawals as coming from First Data. XXXX XXXX XXXX only agreed to reimburse me for 6 months which came to {$390.00}. I am still owed {$480.00} which they refuse to pay 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 monetary relief
Consumer complaint received 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ

Complaint narrative:
In XXXX XXXX my mortgage was sold to Rushmore Loan Management. Since then I have made payments on XX/XX/XXXX and XX/XX/XXXX, of which, Rushmore states they have not received. I have provided them electronic transfer numbers as well as " Confirmation of Funds Transfer '' letters from my bank ( XXXX XXXX ), on numerous occasions, confirming they have received the funds and when the funds were sent. Rushmore keeps calling stating that they have not received the documentation nor the payments. They also state that if they do not receive a payment from us, we will go into default and will have negative reporting on our credit. 
Rushmore only allows you to fax the proof, and then claims they never receive. Surprised that they do not offer a more 21st century method of providing this information. 
For a servicer as large as Rushmore, they really need a better solution to their accounting of monies received. 
I have never missed or been late on a mortgage payment, and this is extremely frustrating that they can not seem to resolve the problem. It is companies like this that give the mortgage industry a bad reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IA

Complaint narrative:
My student loans are through XXXX XXXX. Any extra payment goes to interest and not principle. I did n't think that was legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I am writing to dispute an accounts fraudulently opened in my name. The name of the account is Santander consumer USA. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to this account. 
I request this account be deleted immediately as a resolution to this long awaited matter. Its been years and all I get sent from the copy is a signed contract which proves nothing as anyone can sign my name and statements which also doesnt proof owner ship. The account was opened fraudulent! 


According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies. Thank you for your assistance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 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: TX

Complaint narrative:
Transunion continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information can not be validated. According to the FCRA, this item should be removed immediately.

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 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: DISCOVER BANK
State: OR

Complaint narrative:
I have a discover card. Yesterday X/XX/2018 I received 3 calls from Discover card. The first two times I could n't answer, so they called and left no voicmail. 
I saw discover card and got worried, so I logged onto my account to make sure there was no fraud action, and then I called and was on hold for over 10 minutes. Being at work time was a factor for me, so I could n't hold on any longer. 

Received my third call around XXXX- and then person ID themselves, and started asking me if I have a problem making payments, and offering me flat interest rates ( right now I am in XXXX promotion ). Then after I told them no, they continue to ask me to make a payment even though my account was n't due, or even past due. 

I was shocked. I asked if there was a issue with my account, and if I was past due, and they said no they were just trying to be proactive. This made me so upset as they are calling me during my working hours-left no voicemail the first two times, and then harras me for payments when payment was n't even due. They violated my cell phone by calling over and over eating up my minutes and wasting my precious time, time that I need to be able to work so I can pay my bill in the first place To me this was collection when my account was n't even due. Soliciting trying to tie me to an interest rate, when I have XXXX interest rate right now. Harassment for payment - when my account is current. 

What is it that discover wants from me? I think they need to pay me for time, and cell phone charges?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: TX

Complaint narrative:
On XX/XX/XXXX I was notified that a debt from XXXX XXXX XXXX was transferred to a 3rd party source, TrueAccord on my behalf. I contacted TrueAccord on XX/XX/XXXX and spoke with an agent, XXXX ( Agent ID XXXX ) in which she confirmed all information and debt was being handled by TrueAccord. I was a settlement in the amount of XXXX and agreed to pay amount stated by next business day. Agent confirmed settlement amount would be sent to my email for payment and confirmation of payment would be sent via email from TrueAccord to myself immediately. I was informed that TrueAccord system would be updated with payment immediately as well and debt would be sent to original creditor within 72 hours. I received email confirmation as such as well. I did explain to them that I was in the process of purchasing home and would to need have letter or email stating balance was settled and at {$0.00} balance. XXXX informed me that TrueAccord does not report to any credit bureaus ; only reports to original creditor of any updates. I paid XXXX online with TrueAccord website on behalf of XXXX XXXX XXXX. When I spoke with XXXX XXXX XXXX on Tuesday XX/XX/XXXX I was informed then only that I would have to wait 60 days to have a letter that shows balance was paid and settled as {$0.00}. This was not communicated to me from TrueAccord nor XXXX XXXX XXXX in which is delaying my mortgage loan. My family was displaced due to Hurricane Harvey in XXXX XXXX and am currently being stressed to the capacity due to this is the only delay we have because of XXXX XXXX XXXX  and TrueAccord. This is bad business practice and immorally just wrong. I spoke with XXXX, Supervisor at XXXX XXXX XXXX and was sent a letter only stating account was not cleared. Per the mortgage loan processor, I explained to CFS the letter would have to state balance was cleared at XXXX prior to receiving inaccurate information from XXXX. I have requested to speak with the CFO/COO at XXXX XXXX XXXX and to no avail. Please help. The XXXX has also been deducted and cleared on my bank 's end as well for payment. This is outrageous and I will not stop until there is a sensible resolution and a letter is submitted to myself and husband that debt is resolved, settled, and no monies are owed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: NY

Complaint narrative:
Requestor ( myself ) : XXXX XXXX Contact : XXXX Phone : XXXX Account # : XXXX Business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX '2016, XXXX XXXX XXXX reported to the credit bureaus that I was 30 days late on car note payment. All car note payments were made on or before the due date. 

After investigating this matter with XXXX XXXX XXXX, they stated that the late reporting was due to fact that they were unable to verify my car insurance coverage and expected me to pay an extra {$1500.00} per month while they obtain validation. XXXX XXXX XXXX eventually received events that that my car insurance had never lapse but they refuse to remove the 30 days late payment and fees from my credit report. I paid the fees to avoid anymore negative reporting on my credit report. I 've tried to working with several levels authority within XXXX XXXX XXXX and they refused to update my credit report. I 've also contacted the credit bureaus for assistance with getting this negative mark ( 30 days late ) removed but no success. 

If you can kindly assist with this matter, it would be greatly appreciated. 

Best regards, 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 2018-01-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Requestor ( myself ) : XXXX XXXX Contact : XXXXXXXXXXXX Phone : XXXX Account # : XXXX Business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX '2016, XXXX XXXX XXXX reported to the credit bureaus that I was 30 days late on car note payment. All car note payments were made on or before the due date. 

After investigating this matter with XXXX XXXX XXXX, they stated that the late reporting was due to fact that they were unable to verify my car insurance coverage and expected me to pay an extra {$1500.00} per month while they obtain validation. XXXX XXXX XXXX eventually received events that that my car insurance had never lapse but they refuse to remove the 30 days late payment and fees from my credit report. I paid the fees to avoid anymore negative reporting on my credit report. I 've tried to working with several levels authority within XXXX XXXX XXXX and they refused to update my credit report. I 've also contacted the credit bureaus for assistance with getting this negative mark ( 30 days late ) removed but no success. 

If you can kindly assist with this matter, it would be greatly appreciated. 

Best regards, 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 2018-01-23 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: CarMax, Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of 2016 XXXX XXXX XXXX reported to the credit bureaus that I had missed four payments which is not true. I made all the payments and XXXX reversed the payments each month and never contacted me to explain WHY! The only way I found out was when XXXX reposessed the vehicle, I have my car payments on Auto pay so there was no reason to Check if the payments were made after receiving a payment confirmation, after making the lump payment of {$1300.00} to XXXX I disputed their claim of non payment for those months to no avail. Please look into this matter for me. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: TX

Complaint narrative:
Equifax continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information can not be validated. According to the FCRA, this item should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: CA

Complaint narrative:
A payment was made by the property management company handling my account on my behalf. The payment was made on XX/XX/XXXX. I was notified by my mortgage company that may payment had not been made and that I was going to have a negative mark on my credit if it was not resolved. 

I immediately reached out to my property manager who confirmed that the payment was made, and that the check was cashed by the mortgage company. In good faith they made a payment immediately and reached out to the mortgage company XX/XX/XXXX. Since then we have received the run around from the mortgage company, and have spent countless hours on hold, being told it is being looked into. They do acknowledge the check being received but at this time unable to locate where the funds are. We have talked to several supervisors, and each of them promise to get this resolved within 24-48 hours, and then they no longer return our calls. 

As of today XX/XX/XXXX, this issue has yet to be resolved, and we are no closer to this issue being taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CFS Holdings, Inc
State: TX

Complaint narrative:
OnXX/XX/XXXX, 2018 I was notified that a debt from Confident Financial Solutions was transferred to a 3rd party source, XXXX on my behalf. I contacted XXXX onXX/XX/XXXX/18 and spoke with an agent, XXXX ( XXXX ID XXXX ) in which she confirmed all information and debt was being handled by XXXX. I was a settlement in the amount of XXXX and agreed to pay amount stated by next business day. Agent confirmed settlement amount would be sent to my email for payment and confirmation of payment would be sent via email from XXXX to myself immediately. I was informed that XXXX XXXX would be updated with payment immediately as well and debt would be sent to original creditor within 72 hours. I received email confirmation as such as well. I did explain to them that I was in the process of purchasing home and would to need have letter or email stating balance was settled and at {$0.00} balance. XXXX informed me that XXXX does not report to any credit bureaus ; only reports to original creditor of any updates. I paid XXXX online with XXXX website on behalf of Confident Financial Solutions. When I spoke with Confident Financial Solutions on Tuesday XXXX I was informed then only that I would have to wait 60 days to have a letter that shows balance was paid and settled as {$0.00}. This was not communicated to me from XXXX nor Confident Financial Solutions in which is delaying my mortgage loan. My family was displaced due to Hurricane Harvey in XXXX 2017 and am currently being stressed to the capacity due to this is the only delay we have because of Confident Financial Solutions and XXXX. This is bad business practice and immorally just wrong. I spoke with XXXX, XXXX at Confident Financial Solutions and was sent a letter only stating account was not cleared. Per the mortgage loan processor, I explained to XXXX the letter would have to state balance was cleared at 0 prior to receiving inaccurate information from XXXX. I have requested to speak with the CFO/COO at Confident Financial Solutions and to no avail. Please help. The XXXX has also been deducted and cleared on my bank 's end as well for payment. This is outrageous and I will not stop until there is a sensible resolution and a letter is submitted to myself and husband that debt is resolved, settled, and no monies are owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
Coinbase wont let me remove my money from my usd wallet

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: NY

Complaint narrative:
I am writing to dispute an accounts fraudulently opened in my name. The name of the account is XXXX XXXX XXXX. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to this account. 
I request this account be deleted immediately as a resolution to this long awaited matter. Its been years and all I get sent from the copy is a signed contract which proves nothing as anyone can sign my name and statements which also doesnt proof owner ship. The account was opened fraudulent! 


According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies. Thank you for your assistance

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 2018-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A few months ago I filed a complaint on Khols because they were reporting an old card that was lost or stolen inaccurately. Khols was reporting late payments on my credit every month for three years. You all helped me and Khols corrected the error. Now out of nowhere, Khols just report a 30 day late payment on my credit for XX/XX/2017, XX/XX/2017 and XX/XX/2017. 
Here we go again with the same problem. I have had no interaction with Khols since they corrected the error on my credit file. Now they are at it again. DEFAMING MY CHARACTER  AND REPORTING ERRONEOUS INFORMATION ON MY CREDIT PLEASE HELP ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My latest credit report ( XX/XX/XXXX ) indicates a hard inquiry by " BRCLYSBANKDE '' ( XX/XX/XXXX ) and " XXXX '' ( XX/XX/XXXX ). It is my understanding this is XXXX XXXX and its affiliated companies and XXXX and its affiliated companies. 

For the record, I have not done business with any of these companies. I have not made a request for credit with any of your companies. I do not understand why these businesses would place a hard inquiry on my credit report. 

I would certainly be interested in an explanation by the Banks or businesses that placed this hard inquiry ; otherwise, I request that this hard inquiry be removed. 

I have mailed out similar complaint directly to the 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 2018-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This debt is not mine. 

XXXX XXXX XXXX Acct. XXXX XXXX XXXX, 2016 {$410.00}

Company response to consumer: Closed with explanation