vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus Equifax, XXXX, XXXX delete these late payments and update my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus XXXX, Experian, XXXX delete these late payments and update my profile

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 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I got hit with an inquiry from SYNCB National Credit Cards/Airlines, and just like some others, I was given the run around. Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then XXXX  tells you to contact Synchrony ... .thus an infinite circle of contact _____________ who will then tell you to contact ______________. I finally figured out I could file a complaint with Consumer Financial Protection Bureau and they get it done.

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 2018-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Remitly, Inc.
State: MN

Complaint narrative:
Victim Information : Name : XXXX XXXX XXXX Age : XXXX - XXXX Address : XXXX XXXX XXXX XXXX/XXXX./XXXX XXXX : XXXX XXXX City : XXXX Country : United States of America State : Minnesota Zip Code/Route : XXXX Phone Number : XXXX XXXX Email Address : XXXX Description of Incident : On XX/XX/2018 morning, one fake person hacked my friends ( Naming XXXX XXXX ) XXXX account and sent me a message that his mother is very ill and is in XXXX. He needs {$3000.00} immediately and he would return that in couple of weeks. 
He provided account details as XXXX XXXX XXXX XXXX : XXXX and account # XXXX. He also provided a phone number XXXX but told me not to call as he is in XXXX. 
I know XXXX XXXX from last 14 years, so I decided to help him out by sending {$1500.00} via money transfer service called Remitly via express transfer which takes place in 4 hours, but because it was early Saturday morning it did take place immediately. 
It was Saturday early morning, as the transaction did not go through and in the afternoon, I realized that it was scam as I called up the number to know the condition of my friend 's mother. 

I immediately contacted Remitly to stop the payment, but they did not take any action. I reached out to them many times after that, but they failed to take any action to stop the transaction, they have given me complaint number XXXX. 
Remitly later harrased me asking for XXXX $ more when i filed a dispute on transaction with XXXX XXXX XXXX. 

I contacted XXXX XXXX customer care, but they asked me to contact XXXX XXXX XXXX instead. 

I contacted XXXX XXXX XXXX on Saturday and Sunday, but they told me that they can not file a dispute unless the transaction goes through and as soon as that happened they have taken the case and launched the dispute. The Case ID # XXXX.On XX/XX/2018 XXXX XXXX XXXX declined my claim stating that as I initiated the transaction i have to bear the charges. 


I will be extremely grateful if you can help in take any action and recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
I have a mortgage serviced by Rushmore Loan Management Services. 

I am trying to refinance thru a mortgage broker, who asked for a written explanation of a line on my mortgage statement, titled, " Deferred Balance '' in the amount of {$22000.00}. 

I've communicated with Rushmore via phone several times over a month, with conflicting answers given me by staff and management.

I'm now at risk of losing a lower mortgage rate and feel Rushmore is being evasive and not acting in good faith.

We ask that Rushmore send an explanation in writing via the FAX number they have listed in my account notes. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2016 I paid my monthly bill to Wells Fargo. I sent the payment in on the day it was due, but because it took Wells Fargo time to process it, my payment didn't go through on time and my loan went into default. Back when I was paying my Loan through Wells Fargo, I tried to work with them because I was in a bad financial spot, my dad just losing his job, not having a job myself, and struggling to make ends meet. I had to drop out of school because I couldn't get loan for my second year ( Wells Fargo denied my application even after having two cosigners and a loan history with them ), which is how I got into this situation in the first place. I did the very best I could to make these payments, but Wells Fargo would not budge on the minimum payments. After trying to figure out if there was any way to take my loan out of default, I found that there is no other way to without having to pay off a huge balance. I started making payments, but with the late payments reflected on my credit score it is impeding my progress to get out of my current financial burden.

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 2018-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I FOUND A DEBT OWED TO XXXX XXXX ON MY CREDIT REPORT. I WAS NEVER NOTIFIED OF THE DEBT AND THE AMOUNT IS WRONG. I CALLED AND WAS GOING TO SETTLE THE ACCOUNT BUT IT SAID I OWED FOR EQUIPMENT WHICH I PERSONALLY TOOK BACK TO THE LOCATION ON XXXX XXXX IN XXXX OK. THE DEBT HAS NOW BEEN SOLD TO ANOTHER COLLECTION AGENCY IC SYSTEMS AND I WAS GOING TO PAY THE ACTUAL BILL BUT THEY REFUSED TO TAKE OFF THE {$120.00} EQUIPMENT CHARGE. I THEN CALLED XXXX XXXX AND THEY CONFIRMED RETURNED EQUIPMENT AND BALANCE OWED IS XXXX I TALKED TO XXXX AND THEN XXXX IN BILLING WHO REQUESTED A FORM TO CONFIRM THIS.

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 2018-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received two mailers from Chase to apply for the Business credit card. Why don't Chase advertise or specify whether this is just a offer or approved one or on what basis they sent this promotion for me.

When i applied for this credit card ( where my credit score is more than 800 ) but still it is being declined. If Chase has to decline my application they should not have sent me this offer twice via mail, right?

It hurts my credit score and i have some specific doubt about Chase - what kind of practices they are following just to cheat the regular folks like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Continental Credit Control
State: CA

Complaint narrative:
I am receiving repeated phone calls from XXXX XXXX XXXX. I don't know why they are contacting me because they never leave a message. They have called both before XXXX and after 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
Consumer complaint received 2018-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
My complaint relates to interest and excessive late fees. 
On the interest rate issue, the contract my wife and I signed on XX/XX/XXXX stipulated that the total payments ( interest and principal ) will be {$33000.00} ( XXXX * XXXX ). See attached copies of the contract. For the last payment, Honda made us pay {$600.00} ( see the attached Finance Account Overview ). Instead of paying a total of {$33000.00} as stipulated in the contract, we ended up paying {$33000.00}. 
I called Honda on XX/XX/XXXX to inquire why {$600.00} and not the {$560.00} we have been paying since XX/XX/XXXX. The Honda representative I spoke with stated that it had to do with interest. What interest? She gave a convoluted answer. When I requested to speak with a supervisor, she declined. 

On the excessive late fees, I have written to Honda executives ( here in the US and XXXX ) to waive the fees. All my correspondences and request fell on deaf ears.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-06 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: DISCOVER BANK
State: AR

Complaint narrative:
ON XX/XX/XXXX I CONTACTED DISCOVER TO REPORT FRAUD ON MY ACCOUNT. I FOUND CHARGES ON XX/XX/XXXX MADE BY AUDIT RECOVERY SYSTEMS FOR {$1300.00}, AND THE OTHER FOR {$2200.00}, I SPOKE WITH A WOMEN NAMED XXXX XXXX SHE EXPLAINED THAT THEY WOULD NEED A COPY OF THE STATEMENT AND A LETTER EXPLAINING THAT I DID NOT DO BUISNESS WITH THIS COMPANY. ONCE I GOT OF THE PHONE I GOT ALL OF MY STATEMENTS TOGETHER, AND REALIZED THAT THERE WERE NUMEROUS CHARGES THAT I WAS SUPPOSED TO GET BACK THAT I WASNT SURE IF I DID SO I HIGHLIGHTED THOSE CHARGES, AND INCLUDED THEM IN MY LETTER. WHICH I THEN MAILED OUT ON XX/XX/XXXX, WHICH WAS SENT TO THE XXXX XXXX  AT XXXX XXXX  XXXX XXXX AZ XXXX. WHEN I SPOKE WITH XXXX SHE EXPLAINED THAT IT CAN TAKE UP TO 90 DAYS FOR THE COMPANY TO GET BACK TO ME, BUT IT HAS BEEN OVER 110 DAYS. I HAVE NOT HEARD ANYTHING FROM THE COMPANY, AND HAVE NOT GOTTEN THE MONEY CREDITED TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: FL

Complaint narrative:
I have sent letters to XXXX and TransUnion for 2 accounts and asked for validation which they never sent me but sent a letter saying it was verified for letters sent in XXXX, XXXX, XXXX and XXXX.XXXX took it off my report after dispute. I asked XXXX and TransUnion for specific details in which by law and the Fair Credit Reporting Act they are suppose to furnish to me and have not. I disputed with the creditor like XXXX told me to and still never got the documents I asked for but instead got a response that clearly violates my hippa rights and law. I sent the info to XXXX  And let them know they are reporting information for using documents that are violating the hippa law and still they continue to report the items and never gave me what I originally asked for. I am in the process of filing a law suit and this is my last step as I have documented the whole process. I have all documents I need to file law suite if this is not removed

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 2018-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
In XX/XX/2018, I sent a letter EOS CCA and asked they send me verification ( contract/lease/signed statement ) of this debt and they sent me a bill. In XX/XX/2018 I sent a second later and have not received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I am always on top of my payments so you can imagine how shocked I was while reviewing my credit report and saw a 30 late payment on it. I have no idea how this could have happened. Whenever the statements come, I make sure to pay them right away. My only thought is that the statement never got to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Complete Credit Solutions, Inc.
State: GA

Complaint narrative:
Complete Credit Solutions , Inc. has made repeated calls through the following numbers, which is another company : XXXX, XXXX, XXXX. The company, XXXX claims that they are calling on behalf of Complete Credit Solutions , Inc . They have called my phone multiple times, sometimes up to twice a day. I called and they said they were attempting to collect a debt with Complete Credit Solutions Inc. for something I have no idea about and I asked them to please stop calling. I have already received letters from Complete Credit Solutions Inc. The multiple phone calls day and night are harassing and disturbing, especially because I need my phone for work and get constant interruptions.

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 2018-09-06 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: IL

Complaint narrative:
I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Trans Union several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report, I've called Trans Union and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX 's acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX acct XXXX. The other two accounts show they are included in a bankruptcy but there is no bankruptcy that is in my credit files XXXX XXXX acct XXXX & XXXX 's acct XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX picked up the car after 2 months since it was a lemon law and they put my account on Charge Off with Repossion while it's WRONG and INACCURATE! 
Selling Bad car and XXXX  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 2018-09-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX picked up the car after 2 months since it was a lemon law and they put my account on Charge Off with Repossion while it's WRONG and INACCURATE! 
Selling Bad car and XXXX my CREDIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CO

Complaint narrative:
I FOUND AN ACCOUNT ON MY CREDIT REPORT FOR {$2800.00} WITH XXXX XXXX XXXX. I CALLED THEM AND THEY DONT HAVE THE DEBT AT ALL BUT IS STILL REPORTING TO MY CBR. I TALKED TO A LADY NAMED XXXX WHO WORKS FOR XXXX XXXX WHO SUPPOSEDLY HAS THE DEBT. SHE GAVE ME THE NUMBER FOR XXXX XXXX WHO ACTUALLY NOW HAS THE DEBT. THE DEBT IS FROM XX/XX/2013 WITH 5 YRS INTEREST ON IT. THE REP I TALKED TO HAD NO IDEA WHAT THE PRINCIPLE BALANCE WAS ON THE ACCOUNT AND OFFERED ME A DISCOUNT OF 50 %. I REFUSED BECAUSE I KNOW THE ORIG BILL WAS NOWHERE NEAR THAT HIGH. SHE THEN SAID SHE COULD GET IT DOWN TO XXXX SPLIT IN 2 PAYMENTS. THIS IS DAMAGING TO MY CREDIT AND NEEDS TO BE REMOVED AS THE INFO IS INACCURATE AND THEY CANT EVEN VERIFY THE ORIGIONAL BALANCE AND ANOTHER COMPANY IS ACTUALLY REPORTING IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 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: FL

Complaint narrative:
I have made numerous attempts to resolve the issue of addresses that do not belong to me being reported on my report. I have been contacting Equifax since XX/XX/XXXX of this year for the same issue and every time I get another rep who claims they will make sure it is removed they submit a dispute give me a confirmation # I get the results that they claim they removed and when I request for an updated report it still shows the same information I was advised was removed. I have spoken with their fraud department I have spoken to many reps that last 2 I spoke to XXXX XXXX on XX/XX/XXXX who provided me confirmation # XXXX which results state " DELETED '' and XXXX today on XX/XX/XXXX who provided confirmation # XXXX I also have spoken to many supervisors as of today I spoke to XXXX who gave me confirmation # XXXX. I also have previous confirmations XXXX & XXXX which also state results " DELETED '' I keep advising them XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
My father passed the property is in The XXXX Of XXXX XXXX. I've requested a mortgage modification with Select Port Folio to bring the mortgage current. Select Port Foilo servicing is in possession of the documents they've requested to process my request. There is a property foreclosure sale set for XX/XX/2018. I don't want to loose the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax violated my rights also compromised my personal identity that stim from Equifax data breach. I been fighting fraudulent charges and disputing fraudulent accounts that's on my report for over XXXX year now. Come to find out it's because of Equifax data breach. I reached out to equifax sent them supporting documents My police report and my ftc report about the fraudulent accounts on my report. Equifax did nothing. Below is couple of accounts. XXXX already agreed that I am not responsible for the account and so did XXXX XXXX admitted it not my account also. Equifax ignored they decision and now equifax has caused me to get denied for a equity loan threw my credit union ATTENTION : EQUIFAX FRAUD DEPARTMENT CONFIRMATION # XXXX XXXX # XXXX XXXX CREDIT CARD CONFIRMATION # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 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: VA

Complaint narrative:
Unable to contact Experian representatives to correct or inquire about credit report and personal 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