vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-02 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: CA

Complaint narrative:
In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX Loans and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX had a case against them due to this very issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: CA

Complaint narrative:
In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX  keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX/XXXX had a case against them due to this very issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX  keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX/XXXX had a case against them due to this very issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX XXXX, 2017 I awoke to an email from PayPal as a receipt for a purchase to XXXX the night prior to account XXXX, the issue was that this was a fraudulent charge placed on my account to which I contacted PayPal within 2 hours of the email being sent to notify them, and dispute the charges since this was clearly a fraudulent charge.
Four days later on XX/XX/XXXX I received an email from PayPal stating that they had attempted to withdraw money from my bank account for the fraudulent charge, but was denied, causing an overdraft to my bank account, only to once do the exact same thing again onXX/XX/XXXX causing the same reaction of another overdraft for the exact same fraudulent charge costing me {$63.00}, for a {$21.00} fraudulent charge.
Over a month later the company finally declared that I was not responsible for the fraudulent charge and reimbursed my PayPal account for the amount of the fraudulent charge, but after a number of attempts at contacting them, has failed to address their numerous actions of attempting to fraudulently withdraw funds from an account without the permission of the owner.
The moment I informed them onXX/XX/XXXX that the charges placed on my account were not made by myself, and an investigation had been started, the company should have taken the step to protect the customer from any further damage to their account or those connected to their services by not attempting to process the fraudulent charges though other accounts the customer has entrusted PayPal with. Instead of protecting the customer the company shows a direct lack of concern for the those that have entrusted them with their information, placing profit over consumer protection.
These actions are unacceptable and should not be allowed to be carried out by any company big or small. The reason as of why they even attempted and then continued to collect on a claim that had been declared fraudulent is beyond my understanding, but PayPal should be forced to answer for their actions, as I am sure I am not alone in having these activities occur to the accounts linked to their company.
The companys actions on XX/XX/XXXX transaction ID XXXX when they attempted to refund XXXX to my bank account displays that they were fully aware of their actions and the mistakes that had been made, through a lackluster cover-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Live Well Financial, Inc.
State: PA

Complaint narrative:
RE : Livewell Financial , Inc. v. XXXX XXXX XXXX XXXX County Pennsylvania Court of Common Pleas No. XXXX We represent PXXXX XXXX XXXX relative to the above referenced reverse mortgage foreclosure action. XXXX XXXX was referred to us by the Area Agency on Aging. Her home is being foreclosed on because of a Tax and Insurance default cause by a temporary shortage of funds.
XXXX XXXX presented a budget that shows she has enough income to support a payment plan to pay the ongoing taxes and insurance and to cure the arrears within the 60 month time frame afforded by HUD. In fact, according to the budget presented, she could cure the total arrearage within three years. However, Live Well has stated that it is their company policy that they do not allow payment plans to exceed one year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: MO

Complaint narrative:
Leaving harassing messages on my cell phone, work phone and my mother-in-laws phone about a debt I do n't know about. Telling me this is my final chance to resolve this issue. Never received anything in the mail regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
My wallet had been stolen from me on XX/XX/XXXX, around XXXX PST. Once I realized my wallet had been stolen, which had my Victoria 's Secret Credit card in it, which is issued by Comenity Bank, I called the toll-free number provided by Comenity to report my card stolen. Customer representatives were not available, but an automated service provided the option to report my card stolen. I followed all the correct prompts but at the end of the prompts, the automated service told me it could not assist me with my reporting my card stolen. I called again, and followed the same prompts to report my card stolen and was told again that the automated service was not able to report my cards stolen. So, I decided to wait to call back when a customer service rep. would be available. A week later I received notification from XXXX, that XXXX and XXXX reported there was a change to my account, which was that my Victoria 's Secret credit card account had been closed as of XXXX/XXXX/2017.
I reached out to Comenity Bank who confirmed that my account had been closed by their automated system, and the only option to remedy this was for me to re-apply for the Victoria 's Secret card again. I have been a cardholder with them for 4 years. Even though the mistake was their own, they had no solutions to remedy the injury they caused me. Now, I have a closed account on my credit report because of a mistake that their automated system caused. This will impact my credit score, and I refuse to reapply because reapplying for the credit card will also affect my credit score when it pulls a hard inquiry to determine my approval for the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: MacDowell & Associates, Ltd.
State: GA

Complaint narrative:
XXXX XXXX,2017 checked my XXXX account saw a lien wage in the amount of {$190.00} did n't know who the company was, my job XXXX XXXX XXXX printed out documents I proceeded called the company the receptionist told me I need XXXX got on the phone very rude ... I speak say a cumming swear word she oh no mama you swear and hung the phone up in my face I called back receptionist laughed transfer me to XXXX again she did n't answer calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MO

Complaint narrative:
Leaving harassing messages on my cell phone, work phone and my mother-in-laws phone about a debt I do n't know about. Telling me this is my final chance to resolve this issue. Never received anything in the mail regarding this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase card services reported the card charged off as of XX/XX/XXXX. In XXXX XXXX, I signed up for repayment plan, however the company was still reporting late payments to my credit report. I sent a letter of debt verification and never received validation, the company continues to report late payments at 120 days late even though the card has been charged off and closed since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has the wrong name and address for my credit report, I have moved twice and been married. My name is changed with social security, credit cards, bank, etc and has been for several years. I am trying to get a mortgage, and this incorrect info on the report is preventing my family from being approved, and could possibly kill our deal. Equifax through over 20 different conversations with their call center has given us multiple different instructions on how to resolve this issue, turns out the only way is by mail or by fax. The only way to correct my personal information is with copies of my social security card, DL, marriage certificate, etc all faxed to their call centers in either XXXX or XXXX XXXX. This is exposing my sensitive information via a very unsecure method ( fax ) to potential identity theft scenario. Both other credit rating agencies have my correct information and we never contacted them. Equifax claims that if I wanted the info updated since I turned XXXX in XX/XX/XXXX, I should have done this years ago and that it is my responsibility to let them know of every life change. I believe this is an unfair and unethical practice. I also believe that if I want my personal information changed that I should be able to do it via phone or online ( it is XX/XX/XXXX ). This is totally unexpected and as a result we are unable procure funding for our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
BACKGROUND : On XX/XX/XXXX, I received an XXXX XXXX as prescribed by my private physician. This XXXX was in conjunction with the course of treatment prescribed by my Workers ' Compensation ( WC ) treating physician. Initially, the merging of this XXXX into the comp system was denied, however, upon appeal it was accepted as an industrial-based injury. Subsequently, disposition of billing was passed to WC ( XXXX ) for payment. Over the last four years, XXXX XXXX has ignored correspondence between my attorney, XXXX XXXX XXXX, XXXX, who repeatedly advised them to cease and desist as per California Labor Codes 4600 and 3751 ( see attached ) and recommended actions to apply for relief. CURRENT : Most recently, however, despite the final balance of {$250.00} being PAID, American Capital Enterprises , Inc. maliciously reported this payment as a serious derogatory on  XXXX. This malicious report resulted in a significant FICO score loss from XXXX to XXXX, a XXXX point value reduction as per XXXX Credit Bureau ( see attached page ). XXXX XXXX and XXXX have not reported same and do not currently reflect similar damages. I further assert that the CFPB should investigate this case and render immediate relief to my " good-excellent '' credit rating and exercise all punitive options against America Capital Enterprises , Inc.

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 2017-08-02 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: CA

Complaint narrative:
Transunion stil showing this account open and is on my bk.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CONDOR CAPITAL CORP
State: VA

Complaint narrative:
I had an auto loan for a used car taken out with Condor Capital Corp sometime in XX/XX/XXXX as I do n't have the exact date. As a part of the agreement for the auto loan, full coverage gap insurance including loss of income ( job loss ) was apart of the contract. My vehicle was repossessed in XX/XX/XXXX for non payment as I had lost my job. The gap insurance was supposed to cover the full cost of the agreed sale price as stated in the agreement. I had traveled abroad and way for about six years. When I returned back home to the states, I noticed I had a civil judgement against me from this lender and missed my court date as result of being abroad. I filed a complaint with the major credit bureaus and it was determined the debt was invalid as they deleted this from credit file. Roughly four months later I 'm now getting wage garnishments and a lien on my bank account for this very same debt. Every time I try to contact the lender or speak with my bank ( XXXX XXXX ), they claim they ca n't do anything about it. Condor Capital was shut down for fraudulent reasons as stated here - XXXX XXXX XXXX. I do not recommend banking with XXXX XXXX as when I ask to speak with their fraud team they keep disconnecting my call.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-02 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase card services reported the card charged off as of XX/XX/XXXX. In XX/XX/XXXX, I signed up for repayment plan, however the company was still reporting late payments to my credit report. I sent a letter of debt verification and never received validation, the company continues to report late payments at 120 days late even though the card has been charged off and closed since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a debt collection notice from Midland, a subsidiary of Encore from its attorney, XXXX XXXX XXXX. I requested the following : Explain and show me how you calculated the entire amount of what you say I owe ; Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures. Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; If you purchased this alleged account, identify the SELLER you purchased it from and ALL PREVIOUS OWNERS. Provide me with ANY documentation which establishes your legal standing to collect anything from me. I was not provided with what was purchased, how the balance was calculated, what interest rate was used, etc. in violation of the Consent Decree that was entered into by Encore and the Consumer Financial Protection Bureau. I do n't know how these companies continue to conduct business by violating consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I went to Marriott.com to book a hotel for my husband XXXX XXXX for the dates of XX/XX/XXXX-XX/XX/XXXX for a total of $ XXXX/night totaling {$200.00}. When I went to pay with my credit card for the hotel, i saw a promotional offer for the Marriott Rewards Premier Visa. It showed the same amount for booking of {$200.00} with a statement credit of {$200.00}, leaving a balance of {$3.00} should I apply for this credit card. I clicked the " learn more '' tab and read about the offers of the Marriott Rewards Premier Visa credit card. I thought it sounded like a good deal and decided to apply for the credit card. Once my husband applied, a new window popped up saying he was approved for a credit line of {$5000.00}. I went back to the Marriott Reservation page to continue the booking, however, at that time I was not able to use the new Marriott Rewards Premier Visa card because there was no credit card information that was sent to me. I contacted Marriott and was told we could not use the credit card  until it was received and could not use it for the $ XXXX/night reservation. " To ensure that you receive this special advance purchase rate, we will charge your credit card a prepayment of XXXX USD ( your full room charge plus tax ) when you make your reservation '' is what would happen and I would not be able to pay for the room in XX/XX/XXXX with the new Marriott Rewards Premier Visa. I feel this is deceptive practices which strictly violates UDAAP. I was under the impression I would be able to use this new credit for this purchase today and receive the {$200.00} statement credit since it was right there on the check-out page and was not able to do so. I spoke with XXXX at Marriott who stated I was not able to use the new credit card and also, spoke with XXXX at Marriott who was with the customer care team who gave me the phone number to contact Chase. I spoke with XXXX at Chase who said she knew of the special offer and did not understand why I was not able to continue with the purchase, she then transferred me to a supervisor who ultimately stated the same thing, " If Marriott is saying I ca n't use the credit card, then there is nothing he can do. '' I cancelled the credit card application, but the supervisor stated the inquiry will still be on my husband 's credit report. I do not want an inquiry on his credit report since UDAAP was violated.
Chase wants to state that " if used properly '' the account number would have auto-populated, it did not and my husband is witness to that. I would not have called Marriott OR Chase had it populated. When I was on the line with Marriott AND Chase, the approval page was still up on my computer and I told both representatives this information and neither one knew what was happening.

Company response to consumer: Closed with explanation