vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FM

Complaint narrative:
My credit was compromised by Equifax with their breach. I put a freeze on my credit report to avoid any further issues. I have been trying since XX/XX/XXXX to unfreeze my credit so my mortgage company can do a soft pull to close my mortgage. ****my furniture has been on a truck since XX/XX/XXXX and myself, children and pets are staying at a friends. 

First Equifax unfroze on-line request processed. Mortgage company pulled and it was still frozen. Called Equifax they said they couldn't find me in the computer and that I had to fax in identifying information. Faxed on XX/XX/XXXX - was told it took 48 hours to process fax. Called back on XX/XX/XXXX told documents couldn't be located. Called again on XX/XX/XXXX ... still can't find documents. Called XX/XX/XXXX and talked with supervisor he reviewed faxed documents and said my credit freeze was lifted. 

XX/XX/XXXX mortgage company tried soft pull - still frozen. 3 calls later was told freeze permanently removed. Mortgage company soft pull again - still frozen. After 1 hour 28 minutes and 2 supervisors ... .told 3 to 5 days ... TOTALLY UNACCEPTABLE. I proved my identity and credit should be unfrozen. Have faxed documents 7 times and called at least 4 times a day .... 

EQUIFAX breach is causing me issues after I have followed all of their instructions ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
This is a collection company called diversified consultants. They are trying to collect for XXXX XXXX XXXX. Ive told them that I didnt have a remaining balance when I closed my account and when I went to turn the equipment back in I was told they like to still charge you and to hold to my receipt which I have. I tried explaining this to this collection company but theyre trying to tell me its not for an equipment charge. So I asked where is it coming from because I didnt have a balance and they couldnt give me an answer. All they keep saying is I owe {$270.00}. They have been calling for 4 months and I have blocked their number 13 times ... the balance is now on my credit report so I figured that they would stop calling because thats what they threaten you with to get to hurry up and pay, but NOPE they called me today XX/XX/XXXX from another number ... .please get the calls to stop before my phone memorys full from blocking everyone in the companys number ... ..please and thank you!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have credit inquiries on my transunion credit report that was not initiated by myself. I did some digging and found out that my XXXX yr old son tried opening accounts to get gaming systems and smartphones. He expressed that the sites stated that he was not old enough to open accounts himself and thats when he decided to use my information, some of which he explained to me was made up because he didn't know. so there's no way they could've actually verified the information.

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 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NY

Complaint narrative:
I have written to XXXX XXXX on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They not only stonewalled and not answer my request as required by law but failed to mark the account as in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
BOA has refused to pay the settlement of this class action suit for 2 years. The original check was lost during a move. They say they will send a new check, but never do. My reference number of last phone call and request is XXXX. Please have them pay the money due and since it has taken 3 years interest for that time period in addition to the settlement fee.

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 2018-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX by car that was financed by Captial One was totaled, my insurance paid majority of the balance, and rest was covered by GAP insurance I have purchased through my dealership. On XX/XX/XXXX Capital One withdraw another monthly payment. I have called them back and requested this payment to be credited to me due to the fact that car is totaled and insurances are covering by balance. Capital One returned this payment on the same day. I have provided them with my GAP insurance information and contacted GAP insurance to expedite payment. In XX/XX/XXXX I have received a letter form Capital One stating that there is still an unpaid balance due. I called them on the same date and learned that GAP have not issued full payment just partial. I have contacted GAP and got conformation that they will issue a payment ( delay was caused by a dealership ). I have not heard form Capital One since then, until l in XX/XX/XXXX they reported my account as negative. I have contacted the several time trying to reason with them, offered to make a payment and asked then to remove negative reporting since they have willingly returned my payment in XX/XX/XXXX. They were not helpful and not honest stating that I broke contract and stopped my payments without them agreeing to it. 

As a consumer we are not protected and at the full mercy of this companies. i am asking you to investigate and correct this situation. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This concerns GM Financial. They are showing 30 day late payment on two bureaus and an incorrect balance on 2 bureaus. I paid my XX/XX/XXXX payment which was due XX/XX/XXXX on XX/XX/XXXX which was one day late, not 30 days late. They reported to XXXX  that I was on time. They reported to XXXX  and XXXX XXXX that I was 30 days late in XX/XX/XXXX. I caught the account up in XX/XX/XXXX and can not have them showing 30 days late when i was not. Also, XXXX  and XXXX   show a balance of {$17000.00} which is incorrect and XXXX shows a balance of {$13000.00} which is correct. I made 4 payments in XX/XX/XXXX and XX/XX/XXXX to catch up. GM Financial told me that they had a system update in XX/XX/XXXX and could not report until XX/XX/XXXX. That was 4 months of non-reporting and when they did report, they reported something inaccurate to each bureau : either the balance or a 30 day late payment. I most recently spoke with XXXX today ( XX/XX/XXXX ). They tell me they reported and can not correct until the XX/XX/XXXX report. This is hurting my credit score, increasing interest amounts on anything I want to buy on credit and a low score could impact a job offer. Please assist me in solving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I contacted Equifax on XX/XX/XXXX, and asked them to investigate errors on my credit report. They are supposed to respond within 30 days, but they haven't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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: TX

Complaint narrative:
On XX/XX/XXXX, i sent a certified letter to Experian stating disputes to be verified acording to the FCRA on my credit report. I got a response back from them on XX/XX/XXXX. Stating that my accounts where updated. On XX/XX/XXXX, i sent Experian another letter asking the method of verification and check if they had a copy of the original contract ; only to be told they will not re investigate.

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 2018-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Recovery Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX this record by RECEIVABLE RECOVERY SE was placed on my credit report. I have not received any letters, phone calls, or emails pertaining to this account I know nothing about. I have medicare and health insurance so I know I don't have any bills with anyone. I don't know why this account was placed on my credit report. RECEIVABLE RECOVERY SE RECEIVABLE RECOVERY SE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express is calling me several times a day and has been doing so for more than a month. They have called my boyfriend 's phone, my parent 's home phone, and my work phone, despite the fact that I never provided my work or parent 's phone numbers to American Express. 

I have made it very clear to the collection agent, who is named XXXX, that I can not take personal calls during my business hours, which are from XXXX until XXXX Monday - Friday CST. I have also made it clear that I am unable to pay the sum he is demanding and I have requested a hardship payment arrangement, which I know is available through American Express. 

XXXX has repeatedly ignored my requests to cease calls and he said that he will continue to call because his shift ends at XXXX his time and he is not available to " harass '' me at any other times. He continues to ask me personal questions and frequently launches into long stories about how understanding and willing to help he is, but he never gets to the point of actually helping me start the hardship program process. 

I suspect that these debt collectors in the American Express " Advanced Collections Department '' are paid a bonus based on how much money money they can get out of me, and XXXX seems determined to maximize his bonus at my - the consumer 's - expense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I filed a previous complaint against GM Financial for this exact same matter and it was closed by the CFPB. Complaint # XXXX I don't understand how a company like GM Financial is allowed to get off the hook for falsely reporting information. As of this morning, XX/XX/XXXX, my credit report now reports my last payment as being in XX/XX/2016 and reports a balance of {$0.00}. However, I recently paid my bill and according to GM Financial I still owe them in excess of {$9000.00}. 

This is fraud, plain and simple, and this is affecting my credit. 

GM Financial is being incompetent and I believe is intentionally being disruptive and destroying people 's credit. They have refused to discuss the matter during multiple phone calls to the company. 

I will be speaking with an attorney and seeking financial restitution immediately if this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Within a short span of time ( e.g., between 3 to 4 months ), I have had the following accounts either closed ( or credit lines significantly lowered ) by the creditor : CARECREDIT, XXXX, XXXX, and JCPenney, just to name a few, which has subsequently caused my credit score to  plummet! 

It has now become apparent that I need to address the root cause the problem of my falling FICO score, which is XXXX XXXX and the almost ceremonial approach the bank has used in the closing of my credit accounts ; all of which were in good standing! Everyone knows that the closing of a credit account is NOT recommend by the consumer, let alone the creditor ( especially if the accounts are in good standing ), as this can have a devastating effect on a consumers credit score and FICO. 

Nevertheless, XXXX XXXX appears to have done this, with no consideration being made with regards to the devastating effects this could have on the consumers financial overall financial health, which can cause the consumer to lose out on obtaining favorable rates on home financing, auto loans, signature loans, and a host of other important financial products. Further, requiring that the consumer reapply for credit under these circumstances seems grossly unfair and does not appear to reflect best business practices. 

Incidentally, after reading all the complaints filed on Consumer Reports, FTC, as well as on the XXXX XXXX XXXX online forums ( just to name a few ), it is apparent that HUNDREDS ( if not THOUSANDS ) of consumers are either currently experiencing or have in the past experienced the same exact problem with XXXX XXXX that I am addressing in this complaint. This problem is so disturbing, it suggests that it may be necessary that federal regulators step in, to provide better control over this large financial entity ( that seems to have a monopoly over several consumer retail credit cards ) in order to better protect consumers from financial ruin by artificially causing their credit scores to plummet as a result of these successive credit account closings ( and I repeat, on accounts that are in good standing )!

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 2018-05-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In XX/XX/2011 I applied for a XXXX loan online in order to pay off a bill that was about to go into collections the next day. I filled out the necessary information and got a call saying I was approved and needed to send in a voided check to process the loan. I asked about paying off early and was assured that this would not be a problem. They told me if I did not pay on time I would be charged every two weeks XXXX dollars until the debt was paid. I paid off my bill and three days later paid the loan off early online. I didn't think anything of it until I noticed my bank account was lower than it should have been. I tried calling the number they called me on and it was disconnected. I tried calling the number the bank provided and no answer ( I called at least 10 times that day ). They wound up taking XXXX dollars from me before I was able to switch accounts. Now 7 years later they have turned this over to a debt collection agency that is the fifth one or so that has tried to collect. Every time I explain the situation to them I get a cease and desist on my account which goes well for about a year before it goes to another agency. This last one actually provided me details and amount as well as what I suppossedely currently owe ( XXXX now ). I'm tired of this and just want it to stop. In my XXXX and still trying to save more than XXXX bucks a week

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate an INVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your INVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. 

Very Respectfully, 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 non-monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
This is in regards to XXXX loan number XXXX for XXXX XXXX as I am an authorized 3rd party on the account. 

When the loan was originated, I was never provided the required California Electronic Consent forms. This was further verified as these disclosures, and forms are not included within my loan file. The loan was taken out online, and it is my understanding that this form is required in California in order to continue to fund a loan online. If you want the option of sending and receiving loan documents by e-mail or on a website, federal law requires safeguards to ensure that consumers like myself have the capability to receive such disclosures and are fully aware of the consequences of receiving documents electronically. Federal law also requires that your consent to use e-mail and electronic versions of information, disclosures, contracts, and other documents and records ( " electronic documents '' ) that would otherwise be legally effective only if provided to you in a printed/written paper document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: FL

Complaint narrative:
Everyone have issue with Credit bureau I forbid the Credit bureau to follow, stalking or spy on me in any form or way, to gather information or anything about me. I have NO business with the Credit bureau and I don't owe them anything! They dare to steal and sale our information and lies about us!

I forbid the Credit bureau to use my name, identity, intellectual property, or anything belonging to me or my associates. I also require that they delete any information they may have about me or any of my relatives, any information, third parties or anyone else!

They have no right to deal with my life and business! They are database and personal information thieves!!!

I see them responsible for any damage that may or may be caused to me!

The Credit bureau are con artist who steal you identity, sale it and then try to sale you protraction from what they collect and steal from you!

I damned them to leave me alone, stop ruin people life with wrong information and stop using my private information!

I ask CFPB to use any enforcement authority and make them stop using my name, private info and ruin my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE CAPITAL ASSOCIATES, INC.
State: TX

Complaint narrative:
Our mortgage company, Mortgage Capital Associates, delayed closing on our home loan due to negligence and sheer ineptitude. My wife and I were scheduled to close Monday, XX/XX/XXXX. We had an appointment scheduled for XXXX and our loan officer and her manager were not ready to close what-so-ever and had not correctly prepared Closing Documents by the date required to close. This delay caused loss of income to my wife and I, since we were unable to report to work. They rescheduled to close early in the morning, XX/XX/XXXX. However, Mortgage Capital Associates had still failed to furnish documents to our title company due to, once again, sheer negligence and ineptitude. Serious delays to our closing cost our family time and money. Mortgage Capital Associates has no business furnishing capital to anyone. They are unprofessional, incapable, and most importantly, in breech of contract. I would like to advise the Consumer Finance Protection Bureau, as well as the general public, of their unfair business practices regarding my mortgage.

Company response to consumer: Closed with monetary relief