vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax ha been unable to resolve a dispute against XXXX XXXX XXXX because their system only has 3 reasons to dispute and they go by codes and none of the codes fit the situation so they are unable to process for the reason that I tell them they just pick one and it does not apply so it does not work. They need add more options and be more flexible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: ID Analytics, Inc.
State: IA

Complaint narrative:
XX/XX/2019 I got a letter in the mail saying my auto loan was denied by XXXX XXXX and it says here on the letter that the 3 credit reporting agencies are XXXX, XXXX and XXXX XXXX, I do not know who XXXX XXXX is I have NEVER heard of them! XXXX  and XXXX say my credit score is  XXXX a good score for an auto loan but XXXX XXXX has my XXXX XXXX at XXXX that's 112 points lower I do not know what they are reporting nor can I find out they will not let me have a copy of my report without sending them a hard copy of my SSC, drivers license, birth certificate and a bank statement to show my address I do not know these people but yet they are a Limited Liability Company, how did they get my information and how do they have the right to have my information and also request hard copies of delicate information that I have to MAIL to them! I will not mail them ANYTHING! they do not even give you the options to answer security questions online! When you try to call the number XXXX all you get is just an answering machine! This is flat out ridiculous! These people need to be stopped! They do not have the right to destroy someone's life like this! I have worked hard to build my credit to where it is and now these people just come along and destroy it! According to the automated system this company used to be call IDA Inc, I don't even know who they are either! HELP ME! Please contact my husband XXXX XXXX as he told me to file this complaint at 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 2019-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: VI

Complaint narrative:
I received a call from Medical Data System in regards to a dept which was owed to the XXXX XXXX XXXX. However, the hospital never sent out a bill so I did not know that this bill existed until I received a call from the collection agency. I contacted the insurance company and they sent me a copy of the amount that is owed after the fact. the first copy that the insurance company sent had zero for what was owed. However, I called the insurance company and they sent me an updated copy which is {$1100.00} that is what I owed. I then called the Medical Data System to arrange how I can pay this amount in installment but they did not want me paying on the amount each month. The person at this collection Agency told me, XXXX XXXX wants to deduct it from my bank account each month. I not going to allow them access to my account I was willing to pay. They has on my credit report account I owed {$1200.00}. I told them that was not the amount that is owed. They told I have a bill from ten years on the amount they are charging. I also had a bill for {$58.00} which, I paid already and they had it added to the amount they have on my credit report. I need help with these people. They are very rude and uncooperative. Plus they sent a letter but no copies of the bill that owed. I will have to check with my bank to get the information that the {$58.00} was paid to Medical Data System. Thank you

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 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In mid XX/XX/XXXX I submitted disputes to the major credit reporting agencies via mail, the disputes where in regards to Identity theft that I was a victim of. Despite sending the correspondence to the noted addresses on their sites and in the format requested I received no relief or response according to the Fcra in a timely manner

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 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In mid XX/XX/XXXX I submitted disputes to the major credit reporting agencies via mail, the disputes where in regards to Identity theft that I was a victim of. Despite sending the correspondence to the noted addresses on their sites and in the format requested I received no relief or response according to the Fcra in a timely manner

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 2019-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Recently, I purchased used car from XXXX XXXX in XXXX, TX.I went in originally wanting to purchase a used XXXX XXXX XXXX. However, they had already sold the car prior to my knowledge before I arrived at the dealership. So I ended up purchasing a XXXX XXXX for the XXXX. I was not aware until after I signed the documents and had a lawyer go over them that I was basically robbed blind. What this company did to me was illegal and unethical. They are charging me {$12000.00} to finance this car. Take note, I put down {$4000.00} on the car. So in total I'll be paying almost half of what the car is worth ( {$26000.00} ) after the 72 months is over. I feel completely robbed and felt that I was an easy target. I'm not sure what I can do to resolve this matter but something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have been working with Bayview since XXXX in regards to mortgage assistance. I have submitted all the documents, whenever we call in to get an update we are transferred to the point of contact, we have left several messages and he never returns any of our calls. We have set up appointments with him, to which he still never calls. I tried to call in to see if any one else can help me or to be transferred to his manager, but again I am transferred to his voicemail. How is one supposed to get any information or find out the status if my point of contact is not doing his job properly? Bayview is making this situation far worse and forcing me with no options. They now closed my application stating they are missing documents but will not tell me what documents are missing. They are making it more difficult to communicate and do what I am supposed to be doing when they are refusing to help me or return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: ME

Complaint narrative:
On XXXX XXXX 2018 I purchased a ring from a company called XXXX XXXX online. I was approved for the purchase by a Company called XXXX The product did not arrive on time. It was promised to arrive by XXXX 2018. It did not arrive. I called XXXX XXXX on XXXX 2018 and XXXX in Customer service said they were busy and they could not make the setting and stone till XX/XX/XXXX with a ship date late on the XXXX and arrival on the XXXX. I said cancel the order because i needed the ring now. XXXX said the order would be cancelled. Three days LATER a XXXX driver coerced my XXXX XXXX XXXX into SIGNING for a package that WAS the order I Cancelled. XXXX realizing their mistake picked up the package and shipped it back to XXXX XXXX. A XXXX XXXX XXXX signature for my signature only is not binding and not legal. XXXX XXXX  lied to XXXX and said they shipped the product on XXXX 2018. Affirm investigated the situation and sided with XXXX XXXX based on the XX/XX/2018 ship date I have sent email after email to Affirm and they continue to Bill me now its a negative on my credit Report.The Order was cancelled. XXXX wad lied too i have copies of the XXXX box showing the ship date XX/XX/2018. I have hard copies of the promise of delivery by the XXXX of XX/XX/2018. I have copies of the XXXX ship date from XXXX. I HAVE copies that XXXX has been sent of everything confirming the fact that XXXX XXXX Lied. Now my credit is being hurt because XXXX using out of country telecenters will not reinvestigate.

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 2019-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I took out a lease with this company. I set up a bank account with them to pay at the store. I set up a catch up plan which was supposed to take care of my past due balance and advised them to delete the other banking info because it was not the correct account. I was assured they would do that. I did not have the amount agreed upon coming out of my account so upon logging into their online portal I see that they have a bank account listed for a prior lease I had years ago with them that they were attempting to bill, not the debit card I provided or even the bank account i originally signed up with. They attempted to tell me that it was just the name of the bank was changed, not the account number. But they charged me numerous fees in relation to the wrong account getting billed that they refuse to refund, have reported it as late 30 days on my credit report causing my score to drop XXXX points. I also find that using an account for a prior lease is a gross violation of my financial information and they would not take any responsibility for this and seemed like they were trying to cover it up that they did not input the correct payment information after numerous customer service requests and then were trying to collect payment by whatever means necessary with an account that was not in the lease agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: The J. G. Wentworth Company
State: NJ

Complaint narrative:
I took out a mortgage with J.G. Wentworth. I wont get int the numerous issues I had getting them to provide timely information, but on the day of signing, they provided me documentation with incorrect amount listed to go into escrow. The amount listed was short {$300.00}. They drew up new documents and I signed them one week later. 

Three weeks later, I receive my statement for my first payment. I reviewed the numbers and the amounts are broken out accurately on statement. I send them the payment the next day. 

The following day I receive notice that my account has been sold to XXXX XXXX. I called J.G. Wentworth and they assured me the payment sent to them would be forwarded to XXXX. It was. However, the information sent to XXXX did not include the updated escrow amounts and thus, just over {$300.00} was not included in the escrow payment, but rather applied to the principal. That is twice that J.G. Wentworth has mad errors in regards to my mortgage that if I had not found could have left me in serious financial trouble down the road. This is simply unacceptable. 

Please note, I have contacted XXXX and have straitened this issue out with them. XXXX was very helpful in resolving this issue. However, the next customer of J.G. Wentworth may not be so fortunate. 

One point of interest to me is that J.G. Wentworth & XXXX have the same mailing address for their loan payments. My guess is they are one and the same company, or at least subsidiaries or otherwise connected. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: NY

Complaint narrative:
Debt Collector has not provided a notice of any existing debt nor the provided verification of said debit. They have not provided proof that they are licensed to collect debts in my city or state. Instead in bad faith they place negative information on my credit report, impacting my score circumventing my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 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: DISCOVER BANK
State: NC

Complaint narrative:
XXXX XXXX  XXXX has reported two bank accounts to XXXX XXXX  ( a credit reporting agency, in part ) in which they allege both accounts were closed for alleged account abuse and that the account where both closed in overdraft status. 

I attempted to seek clarification through XXXX XXXX on this matter on or about XX/XX/XXXX. XXXX  XXXX  XXXX simply stated their information was correct that Account # XXXX, Routing # XXXXXXX was closed on XX/XX/XXXX in overdraft status. And that Account # XXXX, Routing # XXXX was closed on XX/XX/XXXX in overdraft status {$82.00}. 

At no time do I recall be notified such accounts were closed due to account abuse or that the accounts where closed in overdraft status. Certainly, XXXX XXXX XXXX provided no notice as then or now to support such allegations under the Fair Credit Reporting Laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I took out some online payday loans over a few years ago and paid them off. But National Credit collectors/adjusters says I still own for one. When they call they don't identify themselves unless I pressure them. Then they go right into setting up payment plans on a loan I don't remember still owing on. When I start asking for more information, they get rude and pushing about making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Set up a payment arrangement with Citbank to bring account current fulfilled requirements of making every payment on time but company still reported account as past due/ delinquent. When arrangement was made information about credit bureau reporting while on the catch up plan was not properly disclosed to me.It is now showing that I have been past due for the first 2 months of the year when I made my payments on time.

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 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion Credit WITHOUT my permission put a FRAUD alert on the TRANSUNION CREDIT AGENCY. I requested removal of report -- -- - I did not authorize any FRAUD report. Please remove.

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 2019-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: MO

Complaint narrative:
Ameritech Financial Act # XXXX This company fraudulently told me they were a loan payment and reduction and forgiveness program. They told me over 25 years of making 119 payments my loan would be completely forgiven. After receiving a letter from the federal trade commission, I followed up with Ameritech financial. They stated they were not making payments to the loan institution and I could not get my money back. 

.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On my credit report says last update of discharge on my bankruptcy is on XX/XX/XXXX But the discharge date was XX/XX/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 non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
specialized loan XXXX I have contacted this company several times ... XXXX- XXXX all around the XXXX of each month. I keep getting different answers from each person. We are behind, but was on the understanding we were on a repayment plan. Now they are telling us they will only take money through XXXX XXXX or XXXX XXXX which is a huge inconvience. 

We had several deaths in family and basically fell apart. this is why we fell short. 

We did not ask to be with this company to begin with. Not impressed with SLS

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 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: GA

Complaint narrative:
There were fraudulent charges made on this 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 2019-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
Hi, I sent payment to LoanCare Mortgage via my XXXX XXXX on XX/XX/XXXX incorrectly. My mortgage with LoanCare was closed in XXXX. I was supposed to make the payment to XXXX XXXX. I called LoanCare Mortgage on XX/XX/XXXX to inquire about the payment and spoke with XXXX. She indicated the payment would have been " rejected '' and to call my bank. I spoke with XXXX on XX/XX/XXXX who indicated it was an electronic transfer of funds and the electronic transmission was successful indicating LoanCare received the payment on XX/XX/XXXX. I attempted to contact LoanCare Mortage again and was on hold for 12 minutes before speaking with XXXX. She is indicating the payment was not received.

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 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
this complaint is regarding my chase XXXX account ending in XXXX. 

on XX/XX/XXXX i sent chase XXXX my payment that was due on XX/XX/XXXX. 
i paid the amount due in full and, the payment was only going to north carolina. however, around the XXXX of XXXX i recieved my statement with a {$25.00} late fee and {$5.00} interest. it appears that my payment did not reach chase until after the XXXX. i can not figure out why? 

i called chase and they would not waive the fee 's. back around XXXX i had a late fee, ( of which i was also suspect ). i feel that there is a problem somewhere between New York and north carolina.that keeps my payment from getting there on time .i feel i can not be responsible for something that is beyond my control. banks always swear that the problem is not with them that they post payment 's when they should be posted, bla, bla, bla. it is always easy to blame the postal service, but i don't know. 
PS : i'm not sure if the payment goes to north or south Carolina, as i don't have a statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX XXXX had placed a account on my Equifax report and according to XXXX XXXX has made five attempts at getting this account removed as it has been discharged in bankruptcy. XXXX XXXX it is negligence on Equifax 's part that it has not been removed efforts according to XXXX XXXX began in XX/XX/2018 and the account still shows active. THIS NEEDS TO BE REMOVED IMMEDIATELY

Company response to consumer: Closed with non-monetary relief