vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Sent Equifax disputes of inaccurate and incomplete information asking them how they verified the information on my credit report on XX/XX/XXXX and got no response. I then sent another letter on XX/XX/XXXX notifying them of non-compliance of the law that requires them to respond within 30-45 days and asked them to delete the innacuarte and incomplete information based on non-compliance and did not get a response again. I pulled my credit report and the inaccurate and incomplete accounts are still reporting. I then called Equifax and they claim they never received the dispute letters after they confirmed I had the address correct. It seems Equifax is refusing to investigate and can claim they never received the letters to get around the law. Equifax has a complete disregard for my consumer rights and is blatantly breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have wrote several disputes to the credit reporting agencies about XXXX XXXX XXXX. Showing them each violation and its inaccuracies. I have asked them to Please perform an investigation and help me figure out why my credit report doesnt match my records. XXXX The High Credit is reporting different on each credit bureau TransUnion shows {$1000.00}. XXXX  shows {$0.00}. XXXX shows {$1000.00}. 

Each credit bureau shows a different date of last active. TransUnion Shows XX/XX/XXXX. XXXX  shows XX/XX/XXXX. XXXX shows XX/XX/XXXX. This account was re-aged and is in violation and needs to be removed immediately. 

This account says Collection/Charged off. How can a collection have a charge off? and if it is charged off why does the payment history have late payments each month? this is a violation of the FCRA

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 2019-03-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have wrote several disputes to the credit reporting agencies about XXXX XXXX XXXX. Showing them each violation and its inaccuracies. I have asked them to Please perform an investigation and help me figure out why my credit report doesnt match my records. XXXX The XXXX XXXX is reporting different on each credit bureau XXXX shows {$1000.00}. XXXX shows {$0.00}. Equifax shows {$1000.00}. 

Each credit bureau shows a different date of last active. XXXXXXXX   Shows XX/XX/XXXX. XXXX shows XX/XX/XXXX. Equifax shows XX/XX/XXXX. This account was re-aged and is in violation and needs to be removed immediately. 

This account says Collection/Charged off. How can a collection have a charge off? and if it is charged off why does the payment history have late payments each month? this is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN

Complaint narrative:
XX/XX/2019 : Contacted Kinum ( collection agency ) about phone calls alleging a debt owed, and that they were going to take legal action. The Kinum representative hung up on us. Called Kinum back, and it took multiple verbal requests to receive actual Kinum Account Number, the representative kept giving me the Account number associated with the original debtor but not the account number associated with their collection agency. Finally received Kinum account number. When I asked the representative to not interrupt me, they hung up on me. 
- We have never received any mail notification of this debt from this debt collection company and had told them so every time they contacted us via phone. We had requested multiple times that the debt information be sent to us via Certified Mail and all Kinum Representatives we talked to stated they would not do that. 

XX/XX/2019 : Sent a Verification of Debt letter to Kinum via Certified Mail with a Receipt. The letter specifically requested the Verification of Debt be sent via certified mail since Kinum is claiming to have sent multiple bills to us but we have not yet received any. Tracking number from USPS indicates Verification of Debt letter was delivered on Tuesday, XX/XX/2019. 

XX/XX/2019 : Received a mail notification of debt, but only details approximately half of the debt they are saying that has been owed. There is no information detailing the other half, except on the payment coupon to return to them that states we owe almost double of what they provided information for. The debt that does contain details does not include : verification of debt, itemized statement, name/ address of original creditor, & evidence that we are legally responsible for the debt. It only includes the " Date of Service. '' Attempted to contact Kinum again, but phone number on the bill received on this date does not offer options to talk to someone, only and option to leave a message, but no way to leave an actual message.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
1 ) I paid off the balance of the loan on XXXX, amount was {$4700.00}. Ditech reflected this payment on a statement they sent me dated XXXX. 

2 ) Even though the loan was paid off on XXXX, Ditech put through two monthly auto-draft payments for XX/XX/XXXX and XX/XX/XXXX, each in amount of {$1200.00}. For a total of {$2500.00}. 

3 ) Ditech sent me letter dated XXXX saying " your loan is paid in full '' and stated they they would send me any leftover escrow funds. I received the escrow fund balance check for {$2600.00} on XXXX. 

4 ) As of XXXX Ditech still owes me the {$260.00} for the two auto-drafts in XX/XX/XXXX and XX/XX/XXXX. During the month of XXXX I called their customer info line ( XXXX call center ), THREE TIMES, and each time was told that they understood the issue and that I would receive a return call to clear it up. It has never happened. 

5. I am considering legal action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
On XX/XX/XXXX, DiTech Financial processed a payment from me in the amount of {$5500.00}. Rather than applying the payment to my payment and the remainder to my principle, Ditech processed it as my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments, collecting the unearned interest on the higher balance and not requiring another mortgage payment until XX/XX/XXXX. I notified them via their online secure communication portal of their error on XX/XX/XXXX. After receiving on a canned response on XX/XX/XXXX and no further communication, I once again wrote to them on XX/XX/XXXX. Once again only getting a canned response. A similar thing happened on XX/XX/XXXX, and it took over a month to correct, even when I included specific instructions on how the payment was to be handled.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2019 I tried to get my free annual credit reports. I succeeded with XXXX and XXXX. I answered all of Equifax 's security questions accurately and was subsequently notified that they couldn't provide it online ( screenshot attached ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: CA

Complaint narrative:
I attempted to take a course online with XXXX college during the time I sent a down payment I was unable to go on with the course due to online interaction with course material I made numerator contacts with them the problem wasnt fix I then opt out of the course they wouldnt let me I couldnt move forward in this course why should I have to pay for a course I didnt begin and couldnt this unfair that they are requesting money from me and slandering 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 2019-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: C & M Associates Group, Inc.
State: ME

Complaint narrative:
On or around XX/XX/XXXX I received a call from XXXX at C & M Associates claiming to be trying to collect a debt from a credit card from XXXX. I was threatened with a law suit, liens on my home and bank account. I got angry and he hung up on me. I felt bad so the next day I called this company back and spoke with a gentleman named XXXX XXXX I explained to him that I did not have the money to settle this debt, in the amount of XXXX, so I was offered a settlement amount of XXXX which I thought was something I could do given some time. XXXX asked me if I could pay XXXX and that would lock in the settlement amount, and that I would have until XX/XX/XXXX to pay the remaining balance of XXXX. I reluctantley gave him my checking account information, stating to him that I was not comfortable doing so, he promised me that no other monies would be taken out of my account without my ok. I was told that he would keep in touch to see where I was financially. I spoke with XXXX again on XX/XX/XXXX at which time I was thinking that I would have the money in the bank, but was not 100 % sure ... so he said he would call me the day before it was due, which would've been XX/XX/XXXX. On XX/XX/XXXX XXXX had contacted me, at which time I told him that I did not have the money in my account, he informed that by not settling this case I would be sued, I would have a lien on my home, on my bank account ... and I told him that unfortunately I would have to take that chance I had not realized that they money had already been deducted from my account ... he acted as though he had no idea. On XX/XX/XXXX a deposit had been made into my account, which I was using for my mortgage payment. Low and behold that on XX/XX/XXXX I went to the ATM to make a small withdrawal, it was rejected stating there were insufficient funds, I then looked at my account on my phone and saw that on XX/XX/XXXX a payment of XXXX was withdrawn and sent to C & M Associates. I was livid, this left my account with XXXX in it, which in turn my house payment bounced. I called XXXX at C & M Associates and he told me that is what my agreement was, that I was told that the payment was due on the XXXX, and that I postdated the checking information for that day. I told him that I did no such thing, I told XXXX on the XXXX that I would not have the money for XX/XX/XXXX. Therefore they took the money out of my account without permission, they stole my money ... .I have tried to email them, but it comes back stating access denied ... ..I am at wits end. I have contacted the District Atttorney 's office in XXXX County. I have also filed a complaint with the XXXX ... ..I will pursue charges if forced too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: Navient Solutions, LLC.
State: ID

Complaint narrative:
my school loans were paid and closed in XX/XX/XXXX/XX/XX/XXXX because of my XXXX. The loans from XXXX XXXX XXXX, Navient and XXXX show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: Utah System of Higher Education
State: ID

Complaint narrative:
my school loans were paid and closed in XXXX because of my XXXX. The loans from XXXX XXXX XXXX, XXXX and UHEAA show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: CA

Complaint narrative:
I am a victim of Identity Theft and The Federal Trade Commission-Consumer Response Center-FCRA has been contacted and a complaint has been filed also I filed a police report and the FTC ID Theft Report on file. The accounts that are in question were originally with XXXX XXXX, the sold to XXXX, then sole to XXXX XXXX, and I have addressed the issue and they were deleted with All the Credit Bureaus. Now another company bought them under the name XXXX XXXX which is reporting ( 4 ) accounts on my credit file ... Now another company called XXXX. XXXX XXXX XXXX XXXX XXXX is trying to buy the debt.

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 2019-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
On XX/XX/19 I received a phone call from my daughter XXXX XXXX who has an auto loan with XXXX XXXX XXXX, she informed me that she just got off of the phone with XXXX credit manager who basically threatened her to send in a payment of XXXX by XXXX XXXX that date. Daughter who has been late with her payments due to the recent camp fire that not only destroyed our home, but lost her source of income due to business burned up, has looked to me to assist in making her payments. Granted payments were late, but non the less they were sent. Therefore I called XXXX XXXX XXXX   which I have permission to do so by my daughter and was transferred to XXXX the Credit Manager who was not only rude and had extremely poor customer service but had the same arrogant behavior that my daughter stated she encountered. I asked for his supervisor and he said that he was his own supervisor, I asked for his last name ; and he said that I only need to know his first name and hung up on me. The entire conversation with XXXX, he was rude and condescending and kept stating " you have 10 minutes '' meaning we had till XXXX to send the XXXX payment through XXXX XXXX. I attempted to make the payment through XXXX XXXX as requested but ran into problems with logging in. Therefore I called XXXX XXXX XXXX again and asked to speak to XXXX supervisor ; explained what happened and was informed that XXXX was his supervisor and was given her email and phone number ; I attempted to call XXXX ; which went to voicemail, left a detailed voice message and requested a return call. I also sent her an email explaining what has happened and as of this date ; still have heard no response. I called XXXX XXXX XXXX  at least 5-6 times within a 3 hour period and maybe 2 of the calls were handled appropriately and information was told to me that my information would be passed unto the appropriate parties. Almost 24 hours I still have not heard from anyone. I am extremely upset at the matter XXXX " the credit manager '' feels the need to bull dog or threaten consumers that if they don't make a payment by XXXX XXXX  today, that they are coming to repo the car. Maybe you should look into how a company is so willing to finance an XXXX year old who was working less then part time at a restaurant be financed on a $ XXXX automobile. Very disappointed in the professionalism and tact this agency has showed me or my daughter. I don't care what you say, NO ONE ever deserves to be treated in a matter of disrespect that XXXX the credit manager and his superiors have shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX To : Customer Advocate Services Team American Express XXXX XXXX XXXX, XXXX XXXX XXXX, UT CFPB Ref No : XXXX Ref : XXXX XX/XX/2019 American Express To whom it may concern : Im appreciate to your respond on XX/XX/2019. but I still dont understanding your explanation, As your advertisement : Earn {$150.00} back after you spend {$1000.00} or more in purchases with your new Card within the the the first 3 month of Card Membership, you will receive the cash back in the form of a statement credit, This is my first time to applied for American Express Cash MagnetCard , would you provide any evidence for I have broken your rules and cause to ineligible for the welcome offer? 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: CORELOGIC INC
State: OH

Complaint narrative:
I have had some issue with my credit file reflecting inaccurate information. I am Self Employed I do not work for the following companies : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX   Please delete these from my file they are not accurate. My name is spelled XXXX XXXX. XXXX please delete any other names they are not mine. I do not live in Florida and the following addresses are not accurate please delete them : XXXX XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The following numbers are not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have been working diligently for a number of years to improve my credit rating. We recently purchased a property. The credit check was run by the insurance carrier. I was surprised by the comments on our notice from the Insurance Carrier so I sent for my report. Under " Adverse Accounts '' late payments that are more than 7 years old continue to appear. I would like these removed as I believe they negatively impact our credit score as well as the interest rates being offered to us by Credit Card companies.

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 2019-03-05 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: AmeriCollect
State: FL

Complaint narrative:
Americollect is in violation of my HIPPA rights. I reached out to the company over 30 days ago and no response. I requested validation of the alleged debt and haven't received anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I settled with Citi in XX/XX/XXXX on a HELOC. They provided me a settled letter ( attached ) as of XX/XX/XXXX. They continue to report 120-day lates XX/XX/XXXX-XX/XX/XXXX on  XXXX which is causing that score to be 100 points less than the other two bureaus and the reporting of lates is hindering me from a new home loan. The status is also 120 days late instead of settled for less than the full amount. SEE ATTACHED DOCS

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 2019-03-05 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: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
In XX/XX/XXXX I received an auto loan from Credit Acceptance Corporation. Throughout the lifetime of the loan, I experienced numerous inaccuracies reported by Credit Acceptance on my credit report. Some of the inaccuracies were corrected after having to jump through hoops with Credit Acceptance Directly, yet  additional inaccuracies continued to show up on my reports. Currently, I am in the process of purchasing a house and am reviewing the negative accounts on my credit reports and Credit Acceptance is one of them. After looking into the payment history, I realized that Credit Acceptance has multiple 30, 60, 90 day  late payments on my account, including listing the account as late when closed ( which is impossible if the account was paid in full ). There was only one time that I was late on my loan with Credit Acceptance and that was in XX/XX/XXXX. I have tried to call CAC directly to correct the errors and their customer service team has refused to acknowledge that I ever had an account with them.

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