vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2018 I go to XXXX to get a free credit report for TransUnion. I get the report.

I then want to see the score. I get a page that prompts for credit card info, I see NO indication that I'm paying {$19.00} and that I'm signing up for a SUBSCRIPTION.

I then try to cancel my order / subscription at TransUnion website. It is not possible.

TransUnion requires people to call a toll free number, which requires a very long wait.

1 ) It is VERY MISLEADING to not say that seeing your credit score requires signing up for subscription service.

2 ) The page did NOT show how much the cost is.

3 ) It is TOO HARD to cancel the subscription or order.

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 2018-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I have had an HSBC account in the USA since XX/XX/XXXX and I opened it because I had an HSBC account in XXXX XXXX. I primarily opened it as a joint account with my son who was starting university there.

My daughter too now is studying in the USA and I frequently transact on that account to send her rent and university fees. My XXXX  TV and other paid apps are also connected to that account.

The last transaction I did on it was on the XX/XX/XXXX and now they seem to have abruptly closed my account with no explanation and I had upwards of {$18000.00} in it. Funds that I need access to to pay for my kids in the US.

I called everyday for the past week and I keep getting transferred to various call center customer service people who are not able to give me any definitive answers. The bank is HSBC USA and I am very very worried as have several payments to make for my daughter at university.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Riverwalk Financial Corporation
State: VA

Complaint narrative:
In XX/XX/XXXX I was so racy by XXXX XXXX and was given a written agreement of repayment on my loan which I have done each month. I got a call in XX/XX/XXXX 6 month after I started my written agreement stating that they done give written agreements but j have one that was emailed to me from there company which I faxed and have fax confirmation for this on XX/XX/XXXX. XXXX XXXX the supervisor then called me after i called XXXX   and she did not return my call. I was told they needed to increase my monthly payment in keel rhe account inhouse?? No reason was given for this increase. XXXX XXXX had always been very helpful to me about this and I had made my payment in time each month. I was first told my a XXXX XXXX that's the minimum payment was XXXX  and not {$100.00} and they would take me to court due to I was not making full payment To keep out of litigation. XXXX XXXX   told me he did not know who this man was but he gave me a fax number to there office. I asked for a new written agreement showing the XXXX a month payment plan he wanted me to start he refused and would not give me a reason for having to break this written agreement that was made with ne and XXXX XXXX XXXX XXXX. I was not informed why they needed to increase my payment. U had a verbal sk called recorded agreement with XXXX XXXX and a written agreement was emailed to me from XXXX XXXX which I provided to him. XXXX XXXX  told me they do not do written agreements at this coompanh but I have one. I agreed to the increase I have not broken my agreement but i should be able to have a amended agreement which they will not provide me. She just told me last week I twas okay j could mail my payment in on the XXXX instead of the beginning of the month because I just had XXXX XXXX on XX/XX/XXXX. But now she womt return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a loan with XXXX XXXX  &. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX & with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX -XX/XX/XXXX andXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I've always used XXXX XXXX, but decided to try all 3 credit bureaus for more accurate information. I tried creating accounts, but the authentication didn't always work because the information is wrong. There's accounts, personal info, creditors, inquiries, etc that are incorrect. I need help filling a dispute and fixing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I've always used XXXX XXXX, but decided to try all 3 credit bureaus for more accurate information. I tried creating accounts, but the authentication didn't always work because the information is wrong. There's accounts, personal info, creditors, inquiries, etc that are incorrect. I need help filling a dispute and fixing my credit.

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 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I've always used XXXX XXXX, but decided to try all 3 credit bureaus for more accurate information. I tried creating accounts, but the authentication didn't always work because the information is wrong. There's accounts, personal info, creditors, inquiries, etc that are incorrect. I need help filling a dispute and fixing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I've always used XXXX XXXX, but decided to try all 3 credit bureaus for more accurate information. I tried creating accounts, but the authentication didn't always work because the information is wrong. There's accounts, personal info, creditors, inquiries, etc that are incorrect. I need help filling a dispute and fixing my credit.

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 2018-06-13 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: FL

Complaint narrative:
Original Date XX/XX/XXXX Account was Re-billed XX/XX/XXXX in the amount {$2500.00} The charge was immediately disputed as an unauthorized charge with US Bank upon receipt of the statement the bank has refused to resolve this fraud. 

The card was Not present during this charge date and therefore the card was not swiped or was a card with a chip inserted, nor was there any Signature Authorization as corroborated by US Bank

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 2018-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have a loan with DISCOVER BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and DISCOVER BANK with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I have a loan with GMFNANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GMFNANCIAL with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX XXXX XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017 2017

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 2018-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BB&T CORPORATION
State: MO

Complaint narrative:
I have been making payments on this Auto Loan through the XXXX XXXX XXXX XXXX XXXX for several years. For a used XXXX XXXX XXXX. The payments are {$550.00} per month which have recently been a struggle since the XXXX  of my son XX/XX/XXXX and also a loss of employment on my end. My payment history confirms I still make payments monthly even with my hardship. And I have attempted to make arrangements with the company. The most I have received was 1 extension offered after several attempts to make arrangements for payment. My Balance has not been reduced since the finance was approved. I am told that I can not apply for further extensions based off my payments made. I can not change the due date. I have a ridiculous interest rate and late fee logic that ensures no payment will touch principal. My due date assigned is XX/XX/XXXX of month so it is impossible to catch up on billing before another bill generates and the company uses this to take advantage of sending threatening cure and repo letters which from the way they are dated coincide with dates I make payments. Company has also blocked me from making electronic payments via web or phone and advised I can only mail payments in a effort to use my hardship against me in order to cure my account

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 2018-06-13 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
My XXXX 's XXXX credit card was turned over to Portfolio Recovery. However i was in a debt consolidation program who immediately contacted Portfolio Recovery and settled the debt and paid Portfolio Recovery. Portfolio recovery has reported the difference of the settled amount as an open balance to the three credit bureaus. I have disputed the debt with the credit reporting agencies and Portfolio Recovery advised the debt is valid. The debt is not valid and they have had this negative remark on my credit files for over 7 months. This is fraud and would like action taken against this company. My credit score is being affected and i request this debt removed and my credit history fixed. It should not have been reported. I have documents to support my claim. Please help me get this corrected and also i feel action should be taken against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriFirst Financial Corporation
State: OH

Complaint narrative:
In XX/XX/2018 I began working with a loan officer to help repair my credit and prepare me to buy my house from my ex husband after our divorce. The loan officer gave me very specific instruction on how to obtain a loan with a gift of equity from my ex husband, had me borrow money from family members to pay off certain debts and instructed me to not make application for the loan until after the divorce went through. I followed his instructions to the letter and when I returned to apply, I was not able to use the loan we planned out because me ex husband could not give me a gift of equity. Not only that, but the loan officer then explained he could not help me at all because he didnt originally understand the rules around that product despite giving me financial and life advice to obtain it. I was forced to sell the home with my ex husband and split the profit, which has left me homeless and struggling to prepare for another loan while I take care of my children and work. If a loan officer is unprepared to instruct a client on loan products, then they have no business doing that job. I relied on his advice and I am in a massively difficult situation as a direct result. The loan officer mentioned above is named XXXX XXXX and works for AmeriFirst Corporation out of XXXX XXXX, OH.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
XXXX XXXX XXXX refuses to send me an itemized statement and bill. I have requested this in writing multiple times since XX/XX/2018. I have made payments to this account. They will not respond.

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 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Dear Collector : I just noticed that your company is reporting the following account listed below on my credit report. 
Creditor : Account : This letter is not a refusal to pay. However, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned?

11.Copies of all letters sent to me from you and the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined? 
Thank you for your time and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
I had an auto loan through GM Financial in 2013. Unfortunately one month after I purchased the vehicle my husband was hit by another car on his way to work and the car was totalled. I was toldby my insurance company that the car was being totalled and they were sending the full payment to pay off the balance of the auto loan. GM financial marked my account as late during that time. 

It is now 5 years later but this account still shows the status as " 60 days late '' on my credit report. I have attempted to dispute this information through the credit bureaus and GM Financial refuses to correct the current account status. Account status should be paid in full. 

This has been negatively impacting my credit for years which is extremely unfair when I didn't even do anything wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Pioneer Law Firm, P.C.
State: NV

Complaint narrative:
I recently paid off, after four years, a credit card consolidation debt resolution program. I entered this agreement with Pioneer Law Firm, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( phone number XXXX ). 

My account has been paid in full. I was informed on XX/XX/XXXX, by XXXX, that I had a balance of {$2800.00} left in my account. XXXX told me, however, that I owed {$23000.00} on the account to XXXX  XXXX XXXX, or their legal agent. So, I told her I wanted all drafts from my checking account stopped, the account closed, and a refund of the {$2800.00}. 

A week later, on XX/XX/XXXX, I spoke to XXXX. He told me the money ( {$2800.00} ) would be deposited in my account between Wednesday and Friday ( XXXX XXXX ). 

On XX/XX/XXXX, I was informed by XXXX that now there was only {$2600.00} in my account due to administrative fees. After more than an hour on hold, speaking to XXXX, then another hold, I wrote Pioneer an email explaining this situation. The last I was told was that another department had to handle the cancellation. 

Subsequently, I have received only inconsequential emails from Pioneer and played phone tag with a man named XXXX XXXX, with no resolution in sight. 

In short, after four long years, and over {$30000.00}, I have come to find out that Pioneer has only settled about {$20000.00} in debt. Our agreement was to settle over {$43000.00} in debt. Pioneer Law Firm did NOT uphold its end of the bargain. Therefore, I am lodging this complaint. I asked for a refund of what was left in my account, and I was told it was on its way. I was told that I still owe over {$23000.00} on this account. How could that possibly be? 


Consequently, I want the {$2800.00} Pioneer Law Firm had in my account when I asked them to send me a refund. And, finally, I want the {$23000.00} taken off my credit report, which is what Pioneer Law firm was supposed to be doing the last four years, While I was paying them {$630.00} a month. 


I mistakenly mailed this letter to XXXX, XXXX on XX/XX/XXXX. I will also mail and fax this information and the relevant documents to you. 


Thank you for your kind attention.

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 2018-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC
State: GA

Complaint narrative:
Dear Collector : I just noticed that your company is reporting the following account listed below on my credit report. 
Creditor : Account : This letter is not a refusal to pay. However, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned?

11.Copies of all letters sent to me from you and the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined?

Thank you for your time and cooperation.

Company response to consumer: Closed with explanation