vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I've just placed a complaint with the CFPB and the company stated they fixed my issue and it's still NOT fixed. Complaint # XXXX from XX/XX/XXXX. I just sent a complaint that the deceptive payment system will not correctly applying my payments. They replied that they fixed the issue causing this. We'll they haven't I just applied my XX/XX/XXXX payment and once again it's not fixed now it's completely applying my entire payment straight to all principal only. It should be paying my XXXX to XX/XX/XXXX regular payment and the XXXX to principal. This company is nothing but headaches and deception. How is this even legal? I need my issue fixed to apply as it should my regular payment and the extra to principal it's not rocket science we're in XX/XX/XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have already submitted a complaint that TransUnion is neglecting to close a disputed account through XXXX They have now LIED about the results being published as you will see here this is copy pasted from XXXX I now intend to take this issue before a Judge if this issue is not corrected - I have called TransUnion directly and they refused to deal with this issue in a professional way - Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Estimated Completion Date Status Details TransUnion received your request on XX/XX/XXXX and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion Dispute XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays XXXX XXXX Reported on XX/XX/XXXX {$150.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Dispute Reason Accuracy : The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$5200.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX Reported on XX/XX/XXXX {$890.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$510.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 

As you see this dispute is still pending according to XXXX and that means TransUnion has LIED or are simplying trying to deny my rights to dispute inaccurate information on my report - Please TransUnion do the right and LEAGAL thing here and either close the disputes or delete 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 2018-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
their has been numerous attempts to have company EXETER finance to show proof of if account is mine and the balance owed first attempt was XX/XX/XXXX asking for documentation as it has been reported on my credit report 31 days later they only responded as verified but know proof as my account this has been reporting on my credit report as charge-offs making it difficult for me to obtain employment because of credit score i also sent letters to EXTER finance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX but i still get same response as this is verified as your account but by law since they did not adhere to law should be delted from my credit report thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I checked my credit and was not aware of having account or balance with comenity never received a notice or bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had my windshield replaced by XXXX XXXX XXXX on XX/XX/XXXX, I filed a dispute for {$500.00}. I believe on XX/XX/XXXX or XX/XX/XXXX because I did not receive a receipt or warranty information for the work. I did not recieve a receipt until XX/XX/XXXX and only after many phones calls and still did not receive the warranty information. In the meantime I discover that the windshield leaked and the wipers were hitting the side of the car. I scheduled XXXX XXXX XXXX to return and XX/XX/XXXX, to repair. They did not show up until after XXXX XXXX and it was to dark for them to work. I then rescheduled for XX/XX/XXXX, they were a no show. I have phone records where I tried to call, they blocked my calls. I have a total of 23 phone calls made to XXXX XXXX XXXX. My credit card was billed by XXXX XXXX XXXX XXXX the warranty information I received was from XXXX XXXX XXXX. 

On XX/XX/XXXX, I had XXXX XXXX XXXX XXXX replace my windshield they found the following problems, Left and right side outer moldings were bent and damaged, top passenger side area dented, top of windshield seal missing glue leak detected. glass was to close to frame, windshield not savable. 

On XX/XX/XXXX I filed a complaint with Bureau of Auto Repair ( BAR ) Tracking Number XXXX BAR is also investigating and finding a number of problems XXXX XXXX XXXX is not register with them, the XXXX or the XXXX XXXX XXXX XXXX. The address given XXXX XXXX XXXX, XXXX is XXXX XXXX and they claim they do not know anything about XXXX XXXX XXXX After much research discovered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX is XXXX XXXX XXXX # XXXX, XXXX, CA not sure about the connection between these companies. BAR is investigating On XX/XX/XXXX, received a letter from Bank of America requesting documentation I replied thru their website. Since then they have given a number of excuses, such as I did not give the merchant a chance to fix the problem, I have phone records where I called 23 times. I had two schedule appt that he did not show. BofA needed a second opinion letter on letter head describing the problem I fax 2 letters ( see attached ) and now the the time frame is expired. They gave me the response date of XX/XX/XXXX which is a Sunday. The owner of XXXX XXXX XXXX XXXX was on vacation and I faxed the letter on Monday XX/XX/XXXX and again on XX/XX/XXXX Bank of America Case numbers XXXX and 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 monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I received a loan from Mariner Finance 3 months ago approximately {$5000.00} with a promise to Pay interest up to {$7000.00} extra. I had no problem wit this because I planned to Pay the principal balance off before in 3 2mths which would be way before my end date. After my XX/XX/XXXX Payment I was told my Pay off balance was {$5500.00}. After my XX/XX/XXXX payment I was told my Pay off balance was XXXX. After my XX/XX/XXXX payment I was told my Pay off balance was XXXX. Now that it is XX/XX/XXXX I payed my bill of {$230.00}. I was told my payoff balance is XXXX. I am not a finance major but I know from previous experiences with purchasing that my Pay off balance should not go up. I don't know what Mariner Finance is  doing with my account. I NEED SOMEONE TO LOOK INTO FRAUD IT EXTRA CHARGES TO MY ACCOUNT PLEASE.

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 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNT WITH XXXX XXXX BANK ACCOUNT # XXXX, APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I requested a Form that my Auto Payments be automatically deducted in XX/XX/2017 from my Banking Account which Wells Fargo acknowledges that they sent to me. The CFPB from reading Wells Response states that I did not sign it which is the first that I have heard of this fact.

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 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: NV

Complaint narrative:
We keep getting recorded calls for someone who does not live here and is not known to us. We have called the number and explained that the person does not live here but the calls continue. This has been going on for months now. I do not have the name of the company but the calls come from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: NY

Complaint narrative:
XX/XX/XXXX I opened a dispute with Experian and the other credit reporting bureaus for an account that was settled and paid with payment agreement. The balance owed was 1000 dollars more than my credit line. The account was apparently charged off. I sent settlement papers with the settlement amount and my payments. The collection agency for the company ( XXXX XXXX ) dishonored their agreement and tried to collect the whole amount of the alleged debt. Disregarded our original agreement of settlement. All Experian updated was lower the balance charged off which is still in accurate because the balance charged off was {$3600.00} and not {$2600.00} XXXX is most likely going to follow the same suit. Experian has no interest in reporting fairly as clearly seen in its report. It has no acknowledge the account is settled with the 3rd party collector XXXX and reporting wrong amounts.

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 2018-04-20 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:
40 days ago, I requested that the credit bureaus investigate errors on my credit report. As of today, I have not yet received any response. They should have responded by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received a phone call XX/XX/18 from XXXX XXXX XXXX  about a debt of a card that I am unaware of and is apparently from XXXX - The man said he was mailing me a packet and would be filing a civil law suit. I have an excellent credit score that I have worked very hard for, i do not have any outstanding debt or a card in collections. I am not sure of any XXXX account he is speaking of. I researched because all credit debt even when not paid goes away after 7 years on your credit report but also has a statue of limitations, which upon investigation is 3 years in NC. I don't know who these people are but it seems illegal to call and scare people telling them they are being sued for an account of something they're unaware of and believe to not be theirs. from 15 years ago. I went and pulled my credit report because I was scared by being told I was being sued and confirmed the accounts that I have and that I have all on time payments and excellent payment history and current. Not sure how to handle. I told the man I would report them to the XXXX XXXX XXXX but figured it would be better to go to consumer finance after investigating and after seeing multiple posts from other people about this and that this is some scam. I can't believe that I am taking time out of my day to deal with people who thrive on scaring people, but my credit and protection of my social security number is very important.

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 2018-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I lived in an apartment during XX/XX/XXXX that was contaminated and causing medical issues and illnesses. I notified the leasing office of the contamination, requesting for it to be repaired. First notice given on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX. After 3 failed attempts to repair the issue, they were unable to provide a fit and livable condition, which resulted in me vacating the property with adherence to Arizona law. 

Arizona law requires that the landlord do the following : Make repairs necessary to keep the home in a fit and livable condition ; Keep all the electrical, plumbing, sanitary, heating, ventilating, air conditioning, and other facilities and appliances that are supplied by the landlord, in safe and working order. 

I provided them notice and a chance to fix the problem, but they failed to correct the problem and could not provide a livable environment. I provided the proper notice of allowing a minimum of 10 days before vacating the premise. I have formally disputed the validity of this debt as the apartment was in uninhabitable condition and it has created a medical condition. 

I declared that the debt was not valid and disputed it with US Collections West in XX/XX/XXXX. After I provided them with all documentation, legal records, and medical records proving the debt invalid, they continued to file the debt on my credit report. I have no liability to this debt as I followed Arizona law to properly vacate, and they are still pursuing to collect and have damaged my credit report. Not only have I suffered from medical complications and have had my quality of life affected by the contamination in the apartment, now US Collections West has damaged my credit report and they are abusing my rights and are in violation of the law. Since they have placed adverse information against my credit reports, I am taking action to report them under the federal Fair Credit Reporting Act.

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 2018-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
40 days ago, I requested that the credit bureaus investigate errors on my credit report. As of today, I have not yet received any response. They should have responded by now.

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 2018-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX, Midwest Service Bureau, located in XXXX, KS call me AT WORK trying to discuss a debt owed. I told them I was at work and to stop calling. Then on XX/XX/XXXX, they called me again and I told them AGAIN to stop calling me at work and he preceded to talk over me acting like he did not hear me. My boss then got on the phone and she told them this was a place of business and to stop calling here. He was trying to argue with her and she cut him off stating to him they are NOT allowed to call at work. He again tried to argue, but she told him to stop calling. 

The amount owed is less than {$200.00} - which technically my ex husband owes according to court papers and Midwest Service Bureau was told that also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
As a military verteran, I attempted to refinance my existing home loan with USAA XXXX XXXX. I initiated the process in late XX/XX/2017 and worked with XXXX XXXX. During the process, I provided extensive information regarding my income, debts and the value of my home. USAA completed an appraisal and provided no less than three good-faith estimates of my anticipated closing costs. At most, the estimates for closing costs were no more than {$5500.00}. 

Two days before closing, I received an " updated '' estimate that placed closing costs at {$64000.00}. XXXX XXXX refused to explain the discrepancy and blamed it on an " underwriting decision. '' She promptly closed my loan file when I refused to pay the {$65000.00}. 

I wrote a complaint to the USAA Chief Executive Officer, who referred the matter to corporate representative XXXX XXXX. XXXX XXXX admitted that XXXX XXXX had made an error and explained that my case " would be used in training '' USAA representatives. Beyond the error, XXXX XXXX declined to make any corrections to the loan file or otherwise assist me. 

I believe that changing the loan terms at the last-minute, without any chance to address these issues, constitutes predatory, bait and switch lending under California and federal law.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Citizens Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: DISCOVER BANK
State: NY

Complaint narrative:
Hello My name is XXXX XXXX, i am writing this regarding a previous case " XXXX '' i provided feedback to discover they said they will contact me for further discussion, its been 25 days i have not got anything from discover. They were also unable to verify that i was present at the moment when those transaction was made. All the transaction was provided with old case number. I don't know why discover is not taking any action about the situation. Its matter of privacy and credit. As discover said same card used at the moment of transaction, i looked it up it could be a possible fraud XXXX XXXX, which generate a unique transaction code with every purchases What makes shimmers potentially more effective that skimmers? They can easily be inserted into indoor, in-store XXXX   terminals, where they record the data being shared between the cards chip and the terminal. Whats more, when the scammers periodically collect the shim to harvest its bounty, they appear to be doing nothing more than paying at the terminal. 

i have used my credit card at the same location before so i believe same thing happened to me. if discover can't protect their customer, its my fault getting penalized for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: WI

Complaint narrative:
account on report thats not mine requested that they verify the accont using original signed contracts as required XXXX # XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation