vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
All of a sudden I had an alert that a negative collection was on my credit report on XX/XX/XXXX. Upon investigating it appears Southwest Credit our of XXXX, Texas it opened a collection on XX/XX/2018. It says I owe XXXX. I needed service with them 2 years ago due to poor coverage and a XXXX owed. Never received a final bill either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft and the inquires listed below are a result of the identity theft XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXXk XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am registered .with XXXX XXXX. In the last10 days, I have receive multiple noticesof new inquires on my credit report from Transunion and XXXX. 
I have not consented any financial organization or automotive group to perform a credit inquiry. 
I am concerned someone is attempting to use my SSN.

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 2018-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identy theft and the inquires listed below are a result of the identy theft XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from 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 explanation
Consumer complaint received 2018-09-21 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: Big Picture Loans, LLC
State: NV

Complaint narrative:
i have a payday loan that is due on XX/XX/18. 

I called this company on XX/XX/18 to pay the loan off in full and they tell i can not pay the loan off. They advise that i have to wait until they process my payment on XX/XX/18 then call back and then i will be able to pay off. 

this is ripping the customer off as i will be charged a double interest amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: IL

Complaint narrative:
I have just received several different credit monitoring alerts from my identity monitoring service, ( see pics attached ) alerting me that my personal info is still be sold, used and transferred for use on the black web, I have completed a complete FTC ID THEFT report along with a local police department report and several other documents with proof of my address at times fraudulent accounts were opened and created. I am afraid that equifax is continuing to allow these very same thieves to report inaccurate invalid accounts to my credit report, one of the addresses that I just received the alert on is connected to one or more of the accounts that equifax continues to report under my name, for which I have never lived at the address. once more I demand that these fraudulent accounts not be allowed to be entered onto my credit report. all of the other bureaus including third party agencies have all removed and stopped these fraudulent creditors equifax continues to report the following invalid accounts that have been also removed from the other credit reporting bureaus but not equifax XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
XX/XX/18 To : XXXX, XXXX XXXX XXXX XXXX XXXX Ditech LLC mortgage XXXX XXXX XXXX XXXX XXXX XXXX Fr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Account # XXXX or XXXX XXXX : Restoring account and credit I spoke with customer service over the past two year in attempt to rectify my account, however, this matter just seem to get worst. I been paying my mortgage every month however my statement reflect a balance of {$8100.00}, my question is where is my payment going for the past years, this is an ongoing problem, I have spoken to uncountable representatives along with written correspondences over the two years, with each making adjustments to account changing my monthly payment each time however after paying, this new month payment my account was still in teacher rears, my escrow payment is and was misapplied several times causing deficit to my account. Thirdly my account is presently in default, collection, modification ; my question is where is my payment going? Requested statements indicating my payment, made to Ditech however, never sent even with numerous requests. 
To date my account is still being mishandled causing misallocations of payment, confusion default, collections, bad credit to account. 
On XX/XX/18 spoke with XXXX, collection department, I requested a payment history, still I have not receive this information. 
This is not my first mortgage ; unfortunately this has been my worst experience I am calling on you to review, make the necessary adjustments, restore my account and my credit. 
Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am registered .with XXXX XXXX. In the last10 days, I have receive multiple noticesof new inquires on my credit report from XXXX and Equifax. 
I have not consented any financial organization or automotive group to perform a credit inquiry. 
I am concerned someone is attempting to use my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: GMA Investments, LLC
State: NV

Complaint narrative:
There is a " XXXX XXXX '' who repeatedly called me over a 24 hour period when I told him not to. He then called my former employer and threatened that he had to speak to me over a legal issue and that they needed to provide my information including when I had worked there. I called him after they told me he was harassing them and told him to call me directly and not to contact them, and he in turn continued to contact them and sent them a letter asking about my employment there. He continues to contact them and harass them at their place of business after they told him I do not work there anymore. 

His number that he left is XXXX. You can contact me at anytime to confirm the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I took out a XXXX credit card from Synchrony Bank in XX/XX/2018. One month later I started making my regular monthly payments of {$45.00} on the account. I always make my {$45.00} payments before the due date. I was finally able to get access to my account online on XX/XX/2018 when I found out Synchrony had recorded my birth day in error - once I put in the birth day they had, I was able to get access to my account. I was stunned to learn I was past due on my payments and had {$100.00} in late fees. I spent almost two hours with two different customer service agents trying to reconcile the late fees. They stated that, due to their billing cycle, I did not get credit for all my payments, so they said I was late on three payments. I am including my statements to verify I have made all my payments before the due date. I also have verification from bank on the dates these payments were received by Synchrony Bank. 

I have been penalized {$100.00} for paying early and my credit card shows I am behind in my payments, when actually I have been paying ahead of the due date. 

I am requesting removal of these {$100.00} in late fees.

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 2018-09-21 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: OH

Complaint narrative:
I am going over my credit report and I see that my information is either inaccurate or old dated. 
My name is XXXX XXXX XXXX I am XXXX my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
My DOB  XXXX SS XXXX MY only address is XXXX XXXX XXXX XXXX XXXX, OH   XXXX PHONE NUMBER XXXX THE FOLLOW ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE A HARD INQUIRES ON MY CREDIT REPORT THAT ARE UNAUTHORIZED I NEVER DONE ANY BUSINEES WITH XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE THEM THEY ARE NOT AUTHORIZED. I WOULD LIKE TO BE OPTED OUT OF ALL PROMOTIONAL CREDIT CARD ADD AND INSURANCE PROMOS. THERE IS A ACCOUNT SHOWING ON MY CREDIT XXXX XXXX XXXX XXXX XXXX****. THIS ACCOUNT WAS NEVER IN COLLECTION AND HAS ALWAYS BEEN PAID IN FULL, NOT SURE HOW OR WHY IT IS ON MY CREDIT REPORT PLEASE DELETE THIS ERROR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
On XX/XX/XXXX I paid through a XXXX XXXX {$1300.00}. On XX/XX/XXXX, I bought three money orders which totaled {$2300.00}. On XX/XX/XXXX, I paid through a XXXX XXXX the fee of {$1100.00}. This totals {$4700.00}. To cure the default I had to pay {$4000.00}, XXXX. Ditech left a balance of {$730.00} for the Corporate Advance Fee and {$840.00} in Late Fees. Ditech did not pay {$130.00} of NSF Fees, or {$20.00} for Other Fees. Ditech put money is Escrow which resulted a check for {$1500.00}. I wrote a Notice of Error requesting my money be reallocated. In XX/XX/XXXX, Ditech sent an Escrow check of {$1500.00}. I sent certified mail to return the check to me because Ditech did not allocate money correctly. On XX/XX/XXXX Ditech sent another letter out for me to Cure the Default with fees of {$130.00} NSF Fees, {$20.00} Other Fees, {$730.00} Corporate Advance Balance and {$930.00} in Late Charges. The first time I paid these fees were through 3 money orders, and 2 XXXX XXXX at XXXX. The second time I paid these fees were through 2 XXXX XXXX of {$520.00} each on the dates XX/XX/XXXX, and XX/XX/XXXX. I sent 4 money orders which all specified a certain amount and how it was to be applied. XX/XX/XXXX -- {$130.00} NSF Fees, and {$20.00} Other Fees. XX/XX/XXXX {$930.00} Late Charges, and {$730.00} Corporate Advance Balance. I am sending copies of the Quit Claim Deed I sent to Ditech. I am attaching Notice of Error from XX/XX/XXXX, information sent to through certified mail about the Escrow check sent to him in XX/XX/XXXX, and copies of what I have currently paid to Cure Default by 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 2018-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc.
State: MD

Complaint narrative:
This is a continuation of the case # XXXX that was filed back in XX/XX/XXXX against the company XXXX. The company resolved to pay me the amount of {$300.00} in 6-8 weeks time in their response to my complaint. 

Instead of receiving payment in the specified time, I instead received a letter via XXXX today almost 8 weeks from their last response to me. The letter basically restates the same response I received back in XX/XX/XXXX and that I would have to wait a " few more weeks '' to receive payment. 

This is unacceptable. I thought it was ridiculous to wait 6-8 weeks to receive payment and now their response is completely indefensible. The company has lied to me repeatedly and also to the CFPB in their settlement response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC
State: AZ

Complaint narrative:
I took out an installment loan with Blue Trust Loans in XX/XX/2018 for {$1200.00} to pay bills.I am a teacher and am getting paid again, but I am struggling to pay back the loan because of the high interest rate of 634.66 %. I planned on paying back the loan right away to avoid the interest, but was unable to do so. I have already paid back {$1700.00}. I would like to settle the loan as paid in full. They are trying to collect the amount of {$1500.00}.

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 2018-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diaz & Associates, Inc.
State: KS

Complaint narrative:
The supposed company Diaz and Associates sent me a letter dated XX/XX/XXXX stating that I owe a debt of {$1000.00} but are willing to settle for {$190.00} If I paid by XX/XX/XXXX. They offered for me to pay by XXXX XXXX   to get it there quick enough. The letter states the original creditor as XXXX XXXX. bank. I contacted that bank and they have no records of me having an account there. I called the debt collection company phone number on the letter and got a very unprofessional person on the other line asking for my social security number. I told the representative that I had no knowledge of XXXX bank or an account I have ever had with them. The guy confirmed my name and email address and told me that XXXX is going to take action against me in court. He stated the debt from XXXX but Kansas law states the statue of limitations would not allow the debt to be sued on. I told the guy I had no knowledge of the debt again and would be sending a dispute letter. and he said I will be sued an hung up on me. The letter I received gave me no offer or knowledge to dispute the debt within 30 days of I believe it to be a mistake which is required by law. Nor was that mentioned on the phone. This seems to be a fraudulent situation. This debt has never been reflected on my credit report. This seems to be scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
XXXX XXXX XXXX. call me all time of the day and night took me to court.with outNOTICEfild me.sending threating mail.e.c.t i inform them this is not my some one are using my ss # i took step to lock my credit report.the last threating letter i got from them on XX/XX/2018 also they are adding money on every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
Rushmore Loan shows on my XXXX Credit Report that I filed for chapter XXXX. On XX/XX/XXXX. They also show on my XXXX   Report that my mortgage was included in a wage earner plan. My mortgage was reaffirmed with XXXX XXXX in XX/XX/XXXX when I filed chapter XXXX. I have always paid my mortgage directly to XXXX XXXX and when sold to Rushmore. My bankruptcy was discharged on XX/XX/XXXX I did not file for bankruptcy on that date as reported by Rushmore. Also my mortgage loan was paid in full in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: OH

Complaint narrative:
I am going over my credit report and I see that my information is either inaccurate or old dated. 
My name is XXXX XXXX XXXX I am XXXX my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
My DOB XXXX SS XXXX MY only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX PHONE NUMBER XXXX THE FOLLOW ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE A HARD INQUIRES ON MY CREDIT REPORT THAT ARE UNAUTHORIZED I NEVER DONE ANY BUSINEES WITH XXXX XXXX, XXXX, XXXX XXXX. PLEASE REMOVE THEM THEY ARE NOT AUTHORIZED. I WOULD LIKE TO BE OPTED OUT OF ALL PROMOTIONAL CREDIT CARD ADD AND INSURANCE PROMOS. 
THERE IS A ACCOUNT SHOWING ON MY CREDIT PROFESSIONAL BUS BUR # XXXX****. THIS ACCOUNT WAS NEVER IN COLLECTION AND HAS ALWAYS BEEN PAID IN FULL, NOT SURE HOW OR WHY IT IS ON MY CREDIT REPORT PLEASE DELETE THIS ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CapitalOne closed my cash back credit card, because according to them, " We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family, or household purposes. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
On XX/XX/2018, I applied on line for an HSBC credit card HSBC Cash Rewards Mastercard credit card. On XX/XX/XXXX, I wanted to cancel, and got into an online chat at https : //www.us.hsbc.comXXXX and they assured me that my credit card application has been closed or abandoned and that no derogatory credit mark has been placed on my credit history because there was a problem verifying my identity. Today XX/XX/XXXX, to my horror, I was informed that my credit report had a derogatory credit inquiry. I started another chat on line, and they told me that they can not remove my credit inquiry and that my credit card application has been denied. Since I wanted to cancel my application yesterday, and since they told me it was unnecessary for me to do so because my application has been canceled because of an identity verification problem, I feel I have been unfairly damaged by HSBC. Moreover, throughout this entire process, I was never notified by email verifying that I filed an application for a credit card, and thus had no way to contact them or address this issue. You need to subpoena the chat logs from XX/XX/XXXX saying that my credit card application has been canceled and that I need not worry as no credit inquiry has or will be made!

Company response to consumer: Closed with explanation