vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
My mortgage with XXXX was sold to Loancare LLC ( XXXX ID XXXX ) when XXXX went bankrupt for the second time. I received a letter from Loancare which said that my account would be ready for registration on XX/XX/2019. 

It is now XX/XX/2019, and the Submit Button for LoanCare 's account withdrawal payment option still isn't working. I do, however, have a loan number. 

Is Loancare LLC REALLY in business? It's website does not supply an email address. It's website does not provide a webform which borrowers can use to make an inquiry. Loancare 's  customer service phone lines are SERIOUSLY understaffed. It's payment setup doesn't work. Callers can't ask for a callback. 

I spent from XXXX today XX/XX/2019 on the phone listening to the same two phrases of a piano piece ( and one other piece of music ) repeat ... ad nauseum. 

At XXXX Pacific Standard Time/XXXX Eastern Standard Time, when LoadCare closed for the day, my call was terminated. I never DID learn whether the extra payment XXXX received on XX/XX/19 will be forwarded to LoanCare. Nor did I succeed in setting up payments A WEEK AFTER MY ACCOUNT WAS SUPPOSEDLY READY TO SET UP LOAN PAYMENTS. 

Right now, it's easy to foresee a scenario where Loancare 's  understaffing and poor administrative processes diminish MY credit score. That's scary. 

See XXXX XXXX XXXXXXXX ). Whoa! 

I'd hoped to setup auto payments two times/month ( in an effort to reap some interest savings ). Now what? This story does not reflect well on LoanCare , LLC. I'm not sure it reflects well on the CFPB, either. Was the {$100000.00} fine a mere slap on the wrist, or enough money to motivate LoanCare to change it's behavior?

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 2019-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I submitted a transaction dispute for {$600.00} back in XXXX when I XXXX XXXX XXXX a web design company that I hired failed to provide the service I paid for and completely ignored my emails following up with whether he was able to complete the task. USAA asked me to submit additional information, but I didn't see the emails and they took the temporary deposit back. I called to find out why they had taken the money back and they explained that I hadn't provided them with information. I asked for the dispute to be reopened and they told me I had to mail the paperwork in. I mailed it and gave them a until XX/XX/2019 to do the investigate. I didn't hear anything back them so I called again. The USAA rep I spoke to told me that he saw the documentation, and that nothing was done with it and that I would need to resend the paperwork and a letter requesting the dispute be reopened. He said it was their fault for not following through back in XXXX until XXXX. So I sent it immediately that day and waited again. I called yesterday, XX/XX/XXXX and they once again never did anything with the paperwork and told me that I had missed the window. The vendor that I paid {$600.00} to did absolutely nothing and I've done what USAA told me to multiple time to get my money back. Each of these conversation were record, I ask the USAA rep I spoke yesterday. I just want my {$600.00} refunded back to me as the vendor did not do any of the work he was contracted to do.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Due to Identity Theft, those account does not belong to me. Please block and remove the disputed items.

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 2019-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2019 I changed my ticket with XXXX XXXX. This change resulted in a charge of XXXX, of which {$200.00} was a change fee. According to American Express one of the perks to the Platinum card is {$200.00} statement credit for Airlines fees. This includes the change fee. However, when I called American   Express they refused to give me credit for the fee because it was not charged separately. Of course not, no airline does that. It is all one charge when you are making a change. They charge the credit card once. I said I can show a receipt showing the charge but the agent refused. The receipt is attached and shows fees paid of {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-13 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: MN

Complaint narrative:
Need to File a complaint on Transunion for failure to investigate a dispute i sent into 2 times and they claim that the account was Verifed But FCRA A CHARGED OFF ACCOUNT SHOULD HAVE A XXXX BALANCE NO MONTHLY PAYMENT HISTORY BUT TRANSUNION CLAIM THAT THE ACCOUNT WAS REPORTING CORRECTLY XXXX XXXX  ACCOUNT XXXX IS SHOWING A BALANCE OF XXXX IT SHOULD NOT REPORT A BALANCE DELETE THIS ACCOUNT TODAY ALSO NOT SHOWING THE NAME TO WHOM THE ACCOUNT WAS SOLD TO OR ANYTHING REMOVE IT TODAY

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 2019-04-13 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 — Problem with personal statement of dispute
Company: Coastal Credit, LLC
State: FL

Complaint narrative:
XX/XX/2019 I asked for, in writing to receive original debt verification. I received a letter on XX/XX/2019 that stated, because they are the first party creditor they were not obligated to provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: VW Credit
State: OH

Complaint narrative:
On XX/XX/XXXX, without notice, a violent Volkswagen credit XXXXXXXX entered my home, attacked my children, and stole my XXXX XXXX. At this time, my family was facing XXXX retaliation which I shared with VW Credit as well. Also, I always said I would pay for everything that I owe to VW. Moreover, VW Credit XXXX attacked and stole my car when XXXX and XXXX retaliation case was going on in the federal government. 

XX/XX/XXXX : Without notice, a violent VW credit XXXX entered my home, attacked my children, and stole my car away. I also called the police. 

Volkswagen cheated me and sold me an emission car ( XXXX XXXX )? I have an emission recall statement, VW credit stole my car on XX/XX/XXXX. Then, after depreciating the car for six long months, VW credit claimed that it had sold the stolen car. Based on what happened on XX/XX/XXXX, everyone says it is stolen. 

XX/XX/XXXX : I wrote a letter to XXXX XXXX XXXXXXXX asking for the explanation on why they attacked my children and stole my car. I have not received any response to my questions from VW Credit yet. 

XX/XX/XXXX : I get a bill from XXXX XXXX, a collection agency demanding me to pay {$6100.00} for the automotive deficiency. 

On XX/XX/XXXX, without notice, a violent Volkswagen credit XXXX entered my home, attacked my children, and stole my car away. After six months, they sold my car and now asking me to pay {$6100.00}. 

VW Credit does not respond to me. VW Credit is using their influence and covering up their crimes. I want my car and compensation for my losses. 

Sincerely, XXXX XXXX P.S. There is no option for a lender stealing a car and attacking children in the form, so I selected repossession as the option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: MN

Complaint narrative:
I need to file a complaint on Transunion I have asked them to delete XXXX   XXXX from my credit report due to wrong account Number but they refuse to. per FCRA INFORMATION HAS TO BE REPORTING 100 % CORRECT I WANT THIS ACCOUNT TO BE DELETED TODAY. 
I'm sorry for sending so many dispute / complaint on you but as a aggressive consumer I feel if I have write dispute letters to you! drive to the Post office to  send certified mail to your business and wait 30 days and supply factual documents to you then wait 30 days talking about the account has been verified. after sending you Proof is unacceptable and very time consuming. I will let you Know I just sued XXXX the other and won for violation of the FCRA I Don't want to see the reporting company such as yours But you guy 's need to step up and do your Job. I found out last Thursday in court about the XXXX XXXX   system And how it works anyone can Punch in a code and go on their merry way I will not back down even if it means filing suit But like I said I don't want that all I ask is you got do what the fcra Req.again I'm sorry for the One by one complaint with the CFPB BUT IF YOU DON'T STAND UP AND FIGHT YOU WILL NOT GET ANY WHERE. PLEASE DELETE ALL ACCOUNTS THAT IS REPORTING ERRONEOUS AND NEG ITEMS THANK YOU!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I open a Freedom unlimited Chase credit card on XX/XX/2019. Once the account was opened, I proceeded to do a balance transfer. I read the document for the fees and mentioned a 3 % fee for balance transfers. After I did the balance transfer, the bank charged me a 5 % fee. I have repeatedly sent emails to them, but they keep saying that 5 % fee is standard. I showed them the documents that said 3 % and they continue to ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: SC

Complaint narrative:
Please remove this information from credit report. Please block any further attempt of these accounts being reported in the further or sold an being reported from another collection agency. Please remove this information within the time frame stated by law. Thanks in advance for you help and understanding. Please send me a copy of my report to the address on file. I will attached documents to support my claims.

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 2019-04-13 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: CORELOGIC INC
State: TX

Complaint narrative:
CoreLogic was requested to investigate on an account that does not belong to me.

This account also had missing information reporting using terms like N/A, details left blank, - and still CoreLogic choose to send me a response saying that it has completed its investigation.

Pursuant to FCRA, no reporting agency can report information that can not be verified. Why is this account in my name when it is not mine and can not be verified?

I am days away from filing a lawsuit against CoreLogic and XXXX  for wrongful reporting and willful non-compliance of the FCRA laws.

This account is so inaccurate that on its CoreLogic XXXX report has the last date reported asXX/XX/XXXX, while the original CoreLogic has the last date reported as XX/XX/XXXX.

Both reporting the same account listed as XXXX XXXX. But reporting this account while it can not be verified with missing data.

After this complaint is closed, if this account is not removed from both reports ( CoreLogic and CoreLogic XXXX ) I will file a suit.

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 2019-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Nelnet falsely reporting negative or past due accounts to my credit. Lowering my credit score via multiple loans although one conglomerate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: GA

Complaint narrative:
i have ask several times for the mortgage company ( XXXX XXXX ) to report my account correctly ... they continue to tell me that they are but they are not! i have never been late with this account. They do not even service this account anymore and on my equifax report it shows that they do and that it is open and late. They even tell me they do not service it anymore. XXXX XXXX  is who services my account is what they tell me ... well i know that and they are showing on my bureau open and never late but so is XXXX who used to service my account but it is showing late. I WANT THIS OFF OF MY EQUIFAX REPORT! IT IS NOT TRUE AND THEY ARE HARMING MY CREDIT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13 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: CORELOGIC INC
State: TX

Complaint narrative:
CoreLogic was requested to investigate on an account that does not belong to me. 

This account also had missing information reporting using terms like N/A, details left blank, - and still CoreLogic choose to send me a response saying that it has completed its investigation. 

Pursuant to FCRA, no reporting agency can report information that can not be verified. Why is this account in my name when it is not mine and can not be verified? 

I am days away from filing a lawsuit against CoreLogic and XXXX for wrongful reporting and willful non-compliance of the FCRA laws. 

This account is so inaccurate that on its CoreLogic XXXX report has the last date reported as XX/XX/XXXX,  while the original CoreLogic has the last date reported as XX/XX/XXXX. 

Both reporting the same account listed as XXXX XXXX. But reporting this account while it can not be verified with missing data. 

After this complaint is closed, if this account is not removed from both reports ( CoreLogic and CoreLogic XXXX ) I will file a suit.

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 2019-04-13 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I need your help in resolving an issue with Chase Bank. 
I have a international visa debit card issued to me by XXXX XXXX  XXXX  XXXX, XXXX XXXX, XXXX. 
This debt card is tied to my bank account with XXXX XXXX  XXXX XXXX. 
Periodically I use this card for purchase or cash withdrawal in the USA. The dollar amount I withdraw shows up as debt in my account ( equivalent XXXX XXXX ) On Tuesday, XX/XX/2019, I use this card with intention if withdrawing {$700.00} from Chase Bank ATM located at. :XXXX XXXX, XXXX XXXX XXXX, XXXX, ca terminal no. 
What I got was a receipt which says the they have charged my account for {$700.00} BUT it also stated that We arent able to give cash right now. Please call us at XXXX I called the number, it was answered by Chase and was told that since I do not have an account with Chase they can not help me. 
Not have an account with Chase I should go to XXXX XXXX  XXXX XXXX, in XXXX to resolve this issue. 
I called the XXXX XXXX XXXX XXXX, they told me that since the Chase receipt says that no cash was dispensed, I should request them to credit my account in XXXX the amount in XXXX rupees. 
Since then I have been talking to local Chase branch, again to the XXXX XXXX  XXXX XXXX, even the Visa people, no one is able to get me the money. 
Attached is a copy of the receipt I got from the ATM and the line item from my XXXX XXXX XXXX XXXX transaction detail showing that they have debated my account for Rs. XXXX ( equivalent to {$700.00} ) Please help me to get my money from Chase, either as US Dollars ( {$700.00} ) or have them credit my bank account with XXXX XXXX  XXXX XXXX ( account number:XXXX ) for Rs. XXXX BANK : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Thank you very much for your help XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have on multiple occasions called and spoke with the CSRs as Ditech Financial regarding my extra payments to go to principle only. I have included the memo on the checks and have asked them to add it to the account. I sent in 2 checks this month XX/XX/19 for XXXX and on XXXX for XXXX. Instead of applying the extra towards principle as requested they applied it to the escrow account and next months payment instead. I would highly recommend anyone thinking of getting a mortgage from Ditech to think again, they are by far the worst customer service I have ever had to deal with. I continually get letters from them saying they are looking into an issue I messaged them about 2 months ago over the same issue. I will for the 4th time call them and ask them to put the funds in the proper account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: MS

Complaint narrative:
I have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

XXXX XXXX XXXX / XXXX, XXXX XXXX XXXX / XXXX, XXXX XXXX XXXX / XXXX, XXXX XXXX XXXX / XXXX, XXXX XXXX XXXX / XXXX, XXXX XXXX   XXXX / XXXX, XXXX XXXX XXXX / XXXX and XXXX 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 2019-04-13 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: AMA Advisors, LLC.
State: GA

Complaint narrative:
i have ask several times for the mortgage company ( Homebridge Financial ) to report my account correctly ... they continue to tell me that they are but they are not! i have never been late with this account. They do not even service this account anymore and on my XXXX report it shows that they do and that it is open and late. They even tell me they do not service it anymore. XXXX XXXX is who services my account is what they tell me ... well i know that and they are showing on my bureau open and never late but so is HomeBridge who used to service my account but it is showing late. I WANT THIS OFF OF MY XXXX REPORT! IT IS NOT TRUE AND THEY ARE HARMING MY CREDIT!

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 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Due to Identity Theft, those account does not belong to me. Please block and remove the disputed items.

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 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Due to Identity Theft, those account does not belong to me. Please block and remove the disputed items.

Company response to consumer: Closed with non-monetary relief