vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
in XX/XX/XXXXI bought a used XX/XX/XXXXcar and was financed through Consumer Portfolio Services. I was never told it was a simple interest loan. The interest rate is 20.45 %. The car was sold at XXXX. To date, I have paid {$16000.00} on the car and CPS has applied it all towards the INTEREST. The principle has only had XXXX applied to it. I have paid XXXX in 5 years in fees. 

I was not told that I had to " mail payments in by check '' if I wanted it applied to the principle until I finally asked what was going on in XX/XX/XXXX. 

I am having financial difficulties and they repossessed the car on XX/XX/XXXX. I have asked them multiple times what I needed to get a lower interest rate or what I needed to do get out of this loan with no answers. 

About 3 months ago I had to tell them to stop harassing me at work and in the evenings with constant calling. 

These are deceptive lending practices. I need help. If i keep this car I will have paid almost XXXX for a XXXX car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I have contacted USAA about billing statement, payment, and Date of First Delinquency issues. 

First billing statements are missing the year of XX/XX/XXXX, which I believe is the start of the date of the first delinquency. 

Second payment history, I can not see when a payment was made by whom, or where it came from. 

Date of first Delinquency keeps changing, between credit bureau and USAA. 

In addition to this my debt was forgiven in XXXX tax year. 7 years after the original charge off date. See attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: Self Lender Inc
State: TX

Complaint narrative:
I noticed that I had a ding on my credit report for a account that was 30 days late it was reported for the month of XX/XX/2020. It was for my Self secured credit card. I sent them a chat request this morning of XX/XX/2020 to inquire about this because It has to be a mistake. My payments are due on the XX/XX/XXXX of every month I was late but only by 3 days for the month of XX/XX/XXXX and XX/XX/XXXX I made my payments on the XX/XX/XXXX of both of those months. I was trying to chat with them about why they reported me being over 30 days late when that is not possible since i was only 3 days past my due date. But they could not give me a reasonable answer I was well aware of the late fee and excepted the fee I paid all the fees and my minimum payment and then some. I told them that this was being reported on my credit report as inaccurate information and is a deformation of character and not a true picture of what is really being done and all I was told was that since I made the payment after the due date the statement was closed and it is not possible to make a payment to that statement and therefore I am 30 days late. I told them that is a deformation of character and is inaccurate and to please update it to not late and i was told to have a nice day and the chat was ended.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: SECURITY FINANCE CORP
State: TN

Complaint narrative:
I requested removal of an old account listed on credit report that was more than 7 years old. The dispute results were that the account was accurate, which I never disputed, and would remain on my credit report. No response from company when trying to contact directly, since I used to work for them. I just want them to delete account since was from XX/XX/2010.

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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was told by my bank lender that I was not approved for a personal loan I had applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX {$920.00} XXXX XXXX XXXX {$400.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX   XXX {$730.00} XXXX XXXX {$18000.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER 7-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I continue to receive harassing phone calls from a creditor/collection agency ( Midland Credit Management ) that calls me at all odd hours of the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM WRITTING TO YOU BECAUSE IM SICK AND TIRED OF RUSHMORE LOAN MANAGEMENT SERVICES. I PLACED MY HOME UNDER A SHORT SALE DUE TO A HARDSHIP THAT IM GOING WITH MY FAMILY.

IT WAS VERY HARD FOR US TO LET THE HOUSE GO SINCE WE HAVE NUMEROUS MEMORIES WITH OUR FAMILY HOWEVER IT WAS TIME TO MOVE ON.

RUSHMORE LOAN MANAGEMENT SERVICES AGREED TO APPROVE THE SHORT SALE SINCE THE PROPERTY WAS ALREADY ON THE MARKET. WE ACCEPTED AN OFFER AND BUYER ORDERED HIS APPRAISAL WHICH IT CAME BACK LESS THAN THE OFFERED AMOUNT.

WE CALLED RUSHMORE LOAN MANAGEMENT SERVICES AND  TOLD THEM THAT BUYERS APPRAISAL WAS LESS THAN THE OFFERED AMOUNT ( XXXX ) CONSIDERING THE ORIGINAL OFFERED AMOUNT CONSIDERING THE BUYERS OFFER WAS {$610000.00}.

RUSHMORE LOAN MANAGEMENT SERVICES SAID THAT THEY WILL STILL CONTINUE TO RE ISSUE THE SHORT SALE APPROVAL AT {$61000.00} EVENTHOUGH THE VALUE CAME LESS OUR JOB WAS TO FIND ANOTHER BUYER WHO WILL OVER PAY ANDFORCE TO PAY THE DIFFERENCE.

MY REALTO HAD NO CHOICE TO PUT THE PROPERTY BACK ON THE MARKETWHICH WE FINALLY FOUND ANOTHER BUYER WHO WAS WILLING TO PAY FOR THE DIFFERNCE FROM THE CURRENT VALUE OF {>= $1,000,000} ( PER APPRAISAL ) TO THE RUSHMORE LOAN MANAGEMENT SERVICES SHORT SALE APPROVAL AMOUNT {$610000.00}. 

NOW THAT WE HAVE A BUYER THAT AGREED TO THOSE TERMS, RUSHMORE LOAN MANAGEMENT SERVICES IS NOW ASKING FOR A HIGHER AMOUNT OF {$620000.00} WHICH TO MY UNDERSTANDING THEY ARE TRYING TO TAKE ADVANTAGE OF THE BUYERS. WHEN RUSHMORE LOAN MANAGEMENT SERVICES ALREADY HAD AGREED TO {$610000.00} TO SELL THE PROPERTY.

I FEEL THIS IS NOT FAIR FOR ME OR MY FAMILY CONSIDERING WE ARE TRYING TO MOVE ON AND RUSHMORE LOAN MANAGEMENT SERVICES IS JUST LOOKING TO TAKE ADVANTAGE OF MY FAMILY AND THE BUYERS. 

PLEASE HELP I DONT KNOW WHAT TO DO CONSIDERING I HAVE DONE EVERYTHING TO MOVE ON. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am still waiting on a new corrected credit score from Equifax in which I reported originally on XXXX ( Equifax reference XXXX-XXXX/Confirmation # XXXX ), stating that the current score of XXXX was not legitimate and should have been upgraded or kept stable at XXXX after the XXXX update with an increased point upgrade of near or over a 700 credit score, in comparison to both XXXX and XXXX  with both showing higher scores. It is nearing another 30 days ( due XXXX ) to update my score again from the last report on XXXX and Equifax still has not corrected or brought my score back up to normal status since I feel that there is still an ongoing security breach still existing that they wont admit when I spoke with them on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: I.C. System, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX was informed by the attached Dispute Letter that the {$190.00} charge was incorrect and they should not report my account delinquent. They then sold my {$190.00} " collection opportunity '' to I C Systems Collections who then reported my account as delinquent in XX/XX/XXXX ( SEVEN YEARS LATER ). Luckily I kept the original Dispute Letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
XX/XX/20 XXXX XXXX XXXX from XXXX XXXX XXXX contacted me on my cell phone and left a message. She proceeded to call my husband and gave him detailed information on my debt. She also contacted my employee around 10 minutes later. Personal information was shared with both places. I have left numerous messages asking the caller to cease and desist activities but to this point, she has not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hi. Thanks for creating this platform, I have been using Coinbase For close to a year now and recently ( few days ) ago. XX/XX/XXXX, I had a friend of mine from XXXX send my BTC worth {$200.00}. They allowed the funds get into my account and then coinbase restricted my account.

I tried to send out the BTC and they wont allow me. 

For no reason. I contacted Coinbase support several times and they replied saying case closed, can not be reopened They gave no reason why my account was restricted, i am a verified user and I didnt violate any of them rules and regulations so I dont know why they could do this to a poor boy like me. I need that funds badly and they should fix this issue so I can get my funds out. 


I urge you CFPB to help me out in any way possible. 


Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I continue to receive harassing phone calls from a creditor/collection agency ( XXXX XXXX XXXX ) that calls me at all odd hours of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I opened an account with XXXX XXXX XXXX TD Bank on XX/XX/XXXX. I was paying on time every month. I entered into a debt consolidation program with XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX. During this period of time XXXX stated they had contacted all the creditors I included in the debt consolidation program and everyone had agreed to terms. XXXX began making monthly payments to XXXX XXXX XXXX. I have statements from XXXX showing the payments being made. On XX/XX/XXXX XXXX  reported to my credit that there was a 30 day late payment. I reached out to XXXX at XXXX to figure out how I was late when XXXX  made the payments. XXXX stated the payment was insufficient but this payment was already pre agreed upon by both companies. At this time XXXX  told me it was my problem that I was not checking my monthly statement, but XXXX  never tried to contact me about this via email or phone call to inform me the payment was not enough. I told XXXX that my online access didnt work, and they stated once you switched to a debt consolidation program it takes your access away! So how would be able to check my Statements? They had no response. At this time XXXX told me the correct payment had to be made 3 months in a row to get the account back in good standing, but credit would show I was 90 days late on payment until then. I reached out to XXXX about this and they stated they made the correct payments agreed upon between the two companies so theyre not sure why they reported it late. XXXX never gave them a reason why the payments were not sufficient to XXXX so now I am stuck with a 90 day delinquency on my credit severely effecting my credit when essentially I was never late. XXXX  never gave me access to check my online account and verify statements and never attempted to reach out to me to tell my my payments were not sufficient. I had no other issues during my debt consolidation program with other companies and them receiving payment. All payment pricing and arrangements are made between XXXX and all other companies that work together in the debt consolidation programs. I dont know any of that information about monthly payments. XXXX tells me what both companies have agreed upon when it comes to the client and then XXXX drafts the money out of my account automatically every month to pay the creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I requested removal of an old account listed on credit report that was more than 7 years old. The dispute results were that the account was accurate, which I never disputed, and would remain on my credit report. No response from company when trying to contact directly, since I used to work for them. I just want them to delete account since was from XX/XX/2010.

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 2020-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
Company hired a debt management company to collect a debt. The company has tried to contact me numerous times. The name of the company is XXXX XXXX XXXX. The debt collection company called my spouse without my permission and gave personal details as well as contacted my employer. This is after I tried to make payment arrangements last year with balance credit. I have asked both the debt collector and balance credit to cease and desist calling my spouse and my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/2020 - XXXX XXXX XXXX - {$630.00} showing on my Equifax Credit Report. 

This company continues to ignore the fact that this is not my debt. It was removed from both XXXX and XXXX  on my report. I have told them and Equifax both that this is not my debt. I have even disputed this debt and they will not remove it. They can not provide any documentation to me stating this debt is my debt other than an amount. There are no medical documentations or procedures codes to indicate this is my debt. I am attaching a copy of my equifax report along with the documentation stating it was removed from the other reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient issued to letters dated XX/XX/XXXX, received today, XX/XX/XXXX with incorrect, conflicting information. 

A final payment of {$19000.00} was made on the student loan on XX/XX/XXXX. Navient cashed that check on XX/XX/XXXX. 

Navients first letter dated XX/XX/XXXX, states they received a payment of {$15000.00} and allege there is a balance due of {$93.00} which they claim is due in ten days. This is a HUGE discrepancy. 

Navients second letter dated XX/XX/XXXX, states they received a payment of {$15000.00} and allege there is a balance due of {$110.00} which they claim is due by XX/XX/XXXX. This same letter, at the top, says nothing is due on XX/XX/XXXX. The second letter, dated the same day, received the same day differs greatly from the first letter. Navient exudes incompetence. This is a HUGE discrepancy. 

Please refer to the attached and note all of the discrepancies. Most of the discrepancies are highlighted in the attachment. 

1. Payment amounts in both letters are incorrect 2. Amount due in both letters is incorrect 3. The due dates in both letters are incorrect. 
4. The application of the payment was misapplied. 
5. Navient still has not even attempted to correct any of their previous errors and they continue to compound the issue with additional errors. 

It should be noted that numerous letters have been written to Navient at XXXX XXXX XXXX, XXXX, PA XXXX and Navient has failed to respond. 

Navient is a horrible company and should be held accountable for their numerous errors. 

There have been numerous and ongoing issues with Navient that demonstrate a pattern of behavior and the escalation. While this new issue is separate and distinct from the others, it further demonstrates the escalation of abuse and Navient 's failure to correct their errors and improve their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: MA

Complaint narrative:
Debt collection for a person called XXXX. I've told them no person named XXXX has ever worked for this company. Keep calling.

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 2020-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Seller scammed me over XXXX. Signed a contract for services and sent payment of {$2000.00} on XX/XX/2019 and never delivered services, and refused refunds. I called the Chase Fraud line in XXXX to get the payment reversed and was told that they can not reverse the fund even though it was a fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: MI

Complaint narrative:
Company DCM, services are trying to collect a debt that has been fraudulently sold around two times by XXXX with no evidence that I owe this debt. I have asked for validation by way of contract because I do not owe are remember this debt. XXXX is also attempting to collect the debt by Reporting it and damaging my credit to the Credit Bureaus. And must cease and desist all attempts. 
I have attached a validation of debt letter to the response of DCM, services validation request which was dated XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: FL

Complaint narrative:
This is in relations to complaint id : XXXX-XXXX I am a victim of the Transunion data breach. 

The inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If Transunion has no physical proof, I would like it 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