vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingUSA
State: KY

Complaint narrative:
XX/XX/2019 I received an email stating Refund ID : XXXX Merchant : XXXX XXXX XXXX XXXX ( XXXX ) Refunded Amount : {$5000.00}. 
I have begun refinancing my home and the underwriters are requiring a Paid in Full letter ( PIFL ) from Lending USA. I began contacting Lending USA on XX/XX/XXXX. At that time I requested a PIFL to be mailed to my PO BOX . When I called to check I was told their system can not load PO Box addresses, I have requested the letter mailed to the Post office street address on XXXX XXXX. Which It never arrived, I have requested the Paid in full letter to be emailed. I have waited substantial amounts of time for each request to arrive. I have received conflicting information from different representatives such as the letter can not be generated and I am to file a complaint with the credit bureau as this should never appeared on a credit report. ( this was never a concern, but to provide information for the refinance only ). I was told to allow 24-48 hours on XX/XX/XXXX for a supervisor to return a call. Today is XX/XX/2019, 5 weeks from my original request and I have not received a PIFL nor a call ; it has been beyond 48 hours. My refinance is held up for this Paid in Full letter and poor business practices from Lending USA. I  understand that Lending USA loans are made by XXXX XXXX  in NJ. This is not any way to treat any consumer. Plus I had  made it very clear I am a XXXX  XXXX Veteran, and reiterated the timely need for this letter. I have provided plenty of time to meet my obligations to my mortgage company, but Lending USA has not been able to take care of their end and is the sole reason for my inability to refinance, they have also created substantial emotional distress which has cost me days off from work and lost pay. I am beyond a dis-satisfied customer!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: Opportunity Financial, LLC
State: CA

Complaint narrative:
I have been trying to pay Opploans and they are unresponsive to emails. They have reported to XXXX, XXXX, XXXX  that my account is charged off. They have also reported the account multiple times on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I purchased two money orders from Western Union to pay my rent in XX/XX/2018. I found out several months later that the landlord had never received it. I contacted Western Union and they traced the money orders. Both money orders, one for $XXXX and one for $XXXX had both been altered and cashed by someone other than the landlord. I completed the request to have the money refunded to me and provided all requested documentation. Western Union paid me back for the $XXXX, but said the bank that had cashed the check, XXXX XXXX, never responded to their request to refund the money.  I filed a complaint with you and XXXX XXXX responded and provided proof that they had sent a check to Western Union for $XXXX.  I have contacted Western Union and asked them to pay me the $XXXX, but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/10, I decided to apply for the Discover it Cash Back credit card. Before I submitted my application, there were two items required in order for me to submit my application successfully. First, the front and back of my driver 's license and secondly, my social security card. The website advised that it was to confirm my identity which is ridiculous especially at a time when data breaches are occurring more frequently. I did not feel comfortable uploading those items and discontinued the application process. I did not submit my application successfully therefore a hard pull of my XXXX   credit file was not warranted. Discover Financial should have done a soft pull and once I submitted my application, a hard pull. With all due respect, my score dropped 10 points due to their hard inquiry. I did not even receive any confirmation from Discover Financial that my application was even received so I believe this was an error on their end. I emailed their executive office XXXX. I immediately advised that I was no longer interested in applying for their credit card and that I did not submit my application to them for processing. The next day, I received an email from their customer service department advising that my application was still pending. After further research, many consumers that have tried to apply for their Discover It credit card have complained about the same thing : they request a copy of their social security card to be sent to them to confirm citizenship disguised as identity. Their tactics are appalling and I have reported them to the XXXX  as well. I did not submit my application to Discover Financial because I did not think it was safe to submit my social security card out of fear that it would be compromised and discontinued the application process. No other creditor has ever requested for me to send them a copy of my social security card to apply for credit. They had no right to pull my credit report since I did not finish their application process online. To add insult to injury, no one from their executive team has had the courtesy to reply to any of my emails. Furthermore, I think that XXXX  is also at fault because they allowed them to pull my credit report in the first place. I will never apply for any other credit card that XXXX  recommends since they receive a commission for each applicant. I have contacted XXXX   and have received no assistance there either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I mailed a letter requesting for XXXX  to validate the debt they are reporting as a charge off and they have not replied to my mail..

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 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to pay XXXX  and they are unresponsive to emails. They have reported to Transunion, XXXX, XXXX  that my account is charged off.
They have also reported the account multiple times on my reports.

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 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to pay XXXX  and they are unresponsive to emails. They have reported to XXXX, Equifax, XXXX  that my account is charged off. They have also reported the account multiple times on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to pay XXXX and they are unresponsive to emails. They have reported to XXXX, XXXX, Experian that my account is charged off. They have also reported the account multiple times on my reports.

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 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I mailed a letter requesting for XXXX to validate the debt they are reporting as a charge off and they have not replied to my mail..

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 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed a letter requesting for XXXX  to validate the debt they are reporting as a charge off and they have not replied to my mail..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
I checked my credit and saw 2 medical bills from UNITED WE COLLECT INC for XXXX XXXX XXXX and XXXX  COUNTY FIRE RESCUE, totaling {$960.00}. I did not receive any notification for any debt for medical services as an indigent individual. I was XXXX  with no physical address to receive any forwarded mail. I also let the hospital know I was an indigent  XXXX and did not have any insurance or money. This reporting is against my HIPAA rights a Is did not sign any medical releases before my information was compromised and accessed by UNITED WE COLLECT INC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TN

Complaint narrative:
My loan was originally serviced by XXXX XXXX XXXX and recently was taken back by Mid America Mortgage. In early XXXX, I sent a check for {$500.00} to XXXX, not aware that Mid America had taken control of the loan, in which the check was returned to me, stating that it was not half of the full amt due. I was not made aware of any specific amt due at that time, when I sent the payment, and wasn't even aware that Mid America had taken control of the account. The letter was dated XX/XX/2019. After receiving the noticed, I then received another letter from XXXX XXXX stating that I was now in default with Mid America Mortgage, and to cure my account I needed to send {$1400.00} to Mid America Mtg , Inc. at XXXX. XXXX XXXX XXXX, Tx. XXXX, by XX/XX/2019. I also have another letter dated XX/XX/XXXX, " Notice of Servicing Transfer, '' stating that all payments after XX/XX/2019, must be sent to the XXXX, Tx address. On XX/XX/2019, a check for {$1400.00}, amount due to cure my mortgage was sent to Mid America Mtg , Inc. at XXXX. XXXX XXXX XXXX, Tx. XXXX. As of this date, the money still sits in my bank, and no attempts by Mid America Mtg to retrieve the funds to cure my mtg payments. I have made numerous attempts to contact Mid America Mtg and all I get is an ROBO voice placing me on hold and saying to hold on for the next representative. I have sat on hold for as much as 3 hours at a time, waiting for someone to speak with, and yet no live person answers. I have called the XXXX, the original and all they tell me is that the loan was transferred back to Mid America Mtg and that they have the same phone number for them, as I do. I have tried all the contact numbers I have found on the web for Mid America Mtg, and I get the same response, no live person only a robo answering. I am at a total dismay, for I am afraid that because of their not taking calls, that they will try and foreclose on my home, and then I will be become homeless, along with my XXXX mother, who relies on me for a place to live. I also researched the reviews against Mid American Mtg, and I am not the only person having issues. There are numerous reviews filed by unpleasant customers of theirs. I hope that you can help me, for I am doing everything possible to make my payments, and because Mid America isn't doing their jobs, they will possibly cause myself along with other homeowners to lose their homes. Also, when trying to create an online account with them, their site isn't working as well. I also have not ever received my new loan package from Mid America Mtg, so I don't even have my new loan number. Thank you 4

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
I received an email from Receivables Performance Management (XXXX) dated XX/XX/2019 and what looks to be a notice about an account which includes a link to access a secure message.  When I clicked on the message, it is an attempt to collect a debt on behalf of a creditor.  The email did not contain any information or indication that they are a debt collector and they did not provide the following information:(1) whether they are permitted (with a known permit number) to collect debt in the state  of North Carolina of which I am a resident(2) they did not identify themselves as a debt collector(3) they did not identify the creditor of the debtI am attaching a screenshot of the email that I received as reference.

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 2019-12-12 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: CA

Complaint narrative:
THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE AND I WOULD LIKE THOSE DEROGATORY ACCOUNTS TO BE REMOVED IMMEDIATELY. THOSE ACCOUNTS HAVE TARNISHED MY CREDIT AND BECAUSE OF THIS IT IS HARD TO ACQUIRE NEW CREDIT OR APPLY FOR A LOAN. THOSE ACCOUNTS HAVE CAUSED TREMENDOUS DAMAGE AND I WANT THOSE ACCOUNTS TO BE PURGED OFF 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 2019-12-12 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: NM

Complaint narrative:
On XX/XX/2019 I submitted a dispute letter with in account with XXXX XXXX but it came back verified. The reason of my dispute is to challenge this erroneous outcome by demanding under section 611 of the FCRA for them to provide me with the method of verification or deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete 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
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I checked my credit and saw a medical bill from CHOICE RECOVERY for XXXX XXXX XXXX  totaling $XXXX. I did not receive any notification for any debt for medical services as an indigent individual. I was XXXX with no physical address to receive any forwarded mail. I also let the hospital know I was an XXXX XXXX and did not have any insurance or money. This reporting is against my HIPAA rights a Is did not sign any medical releases before my information was compromised and accessed by CHOICE RECOVERY or XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
We want to add documents as evidence in the inaccuracies and incorrect addresses. 
COMPLAINT ID XXXX To Transunion Credit Report

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 2019-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bryant, Hodge & Associates LLC
State: FL

Complaint narrative:
I have received three calls from this company. I do not owe any past due debt to anyone. I will not return these calls. It is a scam and they must cease and desist. 

If anyone feels I owe them, it must be submitted in writing and sent to my mailing address. I have lived at the same address for the past 5 years. Any legitimate claims can be made by USPS First Class Mail. 

Company name : Bryant & Hodges Caller 's name : " XXXX '' Caller 's  phone number : ( XXXX ) XXXX Called : XX/XX/19 @ XXXX XX/XX/19 @ XXXX XX/XX/19 @ XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Second mortgage was obtained for an inground swimming pool in XX/XX/XXXX for {$32000.00} and has changed servicers multiple times. Ditech is the current servicer and will not provide payoff amount of the loan. The loan was originally with XXXX XXXX XXXX  for an inground pool. I have been calling since XX/XX/XXXX, hired a real estate attorney and have received multiple conflicting stories about the status of the loan, including the property was foreclosed on, is in litigation, not eligible for payoff etc. and will give no further information or disconnect the call. None of the information being provided is correct. 

I was not able to sell my property for a job transfer to another state. I am now trying to refinance the property and not able to. Ditech will not cooperate with anyone representing us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
A couple of months back I filed a dispute because I had a wells fargo secured card on my credit report. The secured card was an account that opened in XX/XX/XXXX. However, I had never got a secured card in XXXX from wells fargo. I received a letter from Wells Fargo apologizing for the account that was opened and stated that it looks like the account was indeed not mine. The result of me disputing the secured card from XXXX that was not mine, my current secured card from XX/XX/XXXX was closed. My credit report was updated to account closed because customer dispute. 

I immediately called and said that was not the account that you were supposed to close. I spoke to a few rep who eventually helped and said my account should be reopened. I checked my credit report and the account is opened. 

However I just called and a rep stated that my account is closed. My online profile has my account as opened with an available balance. I just opened a wells fargo case the number is XXXX. This is so confusing and I feel like no one knows what is going on. The account is open everywhere but is Wells Fargos system. 



WELLS FARGO CARD SERVICE Last reported XX/XX/XXXX {$450.00} Reported balance Credit limit {$500.00} You're using 92 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment {$25.00} Opened XX/XX/XXXX ( 3 yrs, 5 mos ) PAYMENT HISTORY You've made 93 % of payments on time Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status 30-59 Days Late ACCOUNT DETAILS Account status Open Type Secured credit card Responsibility Individual Remarks Dispute resolved ; customer disagrees Times 30/60/90 days late 3/0/0

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 2019-12-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE AND I WOULD LIKE THOSE DEROGATORY ACCOUNTS TO BE REMOVED IMMEDIATELY. THOSE ACCOUNTS HAVE TARNISHED MY CREDIT AND BECAUSE OF THIS IT IS HARD TO ACQUIRE NEW CREDIT OR APPLY FOR A LOAN. THOSE ACCOUNTS HAVE CAUSED TREMENDOUS DAMAGE AND I WANT THOSE ACCOUNTS TO BE PURGED OFF MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: FL

Complaint narrative:
Global lending repossessed the car back in XXXX they keep putting the car in repossion. Status like they dont have the car and reporting late payments

Company response to consumer: Closed with explanation