vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-28 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: FactorTrust, Inc.
State: MN

Complaint narrative:
Hi, Someone tried to open a line of credit in my name with XXXX XXXX XXXX and was denied. I did not try to open any new lines of credit. The person that tried to get the line of credit also changed who I'm employed with on my credit. That was according to the XXXX XXXX report that I ran. I have made a police report with the XXXX County Sheriffs Office and am waiting on the report to submit to XXXX XXXX XXXX. I would like the hard hit on my cred report removed being that I did not ask for my credit to be ran. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX and Transunion are reporting me as 30 to 60 days past due on the XXXX account number XXXX. This account has a {$0.00} balance and {$0.00} past due. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

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 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
There are three collections reporting on XXXX all with amount of {$730.00} from XXXX XXXX XXXX but held with United Revenue Corp. I have filed disputes to XXXX regarding the three accounts - numbers : XXXX ; XXXX and XXXX. I have also asked for an itemized statement because I do not recognize these amounts because my Explanation of Benefits have not shown that I owe {$730.00}. So I have two concerns, the first being triplicate entries on my credit report which is harming my credit score and the second, I'm not even positive I owe this debt in the first place! According to the FCRA I should be provided with an itemized statement showing that they filed my health insurance claims that they are obligated to file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have contacted the company directly and they refuse to remove when it is not my account. When asked they can not provide any documents that show otherwise. They become belligerent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: PNC Bank N.A.
State: CA

Complaint narrative:
I had gotten a loan modification with PNC Bank but the payments show as late even though I made all the payments according to the guidelines on the loan modification. I would not have gotten the final modification if I were late on the payments during the trial modification period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I had defaulted on a XXXX  XXXX XXXX Credit Card sometime between XXXX. I was contacted by the XXXX XXXX XXXX  XXXX XXXX in XXXX XXXX in XXXX. I made monthly payments for over 2 years. I can't remember when they started and I can only access XX/XX/XXXX to present statements on my account. In XX/XX/XXXX the auto draft did not hit my bank account. I called a the office and they told me I was paid in full. I asked her to send me a letter. This is right about the time my father died so I'm not sure if I got the letter or if I misplaced it. I have had several collection agencies contact me since then to collect. The Law Office phone number is no longer active. I just received another letter for collection, Dynamic Recovery Solutions XXXX. I was able to get bank statements as far back as XX/XX/XXXX - XX/XX/XXXX which show the monthly payments. If needed, I can ask my bank for more statements. Can you help me with how to proceed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 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:
This account was reported to TRANSUNION on XXXX and was removed from my " hard-copy '' credit report. However, this is still appearing on my online credit report and was told on the many and numerous times that I called that it was supposed to have been removed online when it was removed from hard copy. 
I have called over and over and over and no one seems to be able to help. Transunion has given me several numbers to call for online. Every time I called they would tell me they need to put me through to online although that was the number that I called. Every single individual claimed that they were unable to assist me as online could not be reached from the main department. 
When I told one agent that I would contact CFPB she even told me that everybody makes that threat and that CFPB would possibly contact them only ... no big deal. 
Transunion has & does make it EXTREMELY difficult to get anything done on behalf of the consumer. A year or so ago they even dropped my credit score from XXXX to XXXX for no reason ( s ) at all. You may not believe that but it is true. 
The account that has been deleted but Transunion refuses to remove from online is : 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 2019-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Hurricane Irma in 2017 had major impact on my income and did damage to my house. I inquired about the forebearance option. The way it was presented to me was that since I could not afford the current payment they would suspend payments until the work to fix my house was completed. They gave me two options for once the work was completed ; I could either pay ( make current ) the payments that were not made during the suspension or they could remodify the loan. I specifically asked about the modification due to the fact that my income potential was drastically reduced ( due to Hurricane ). My question was to the point ... the only modification to the loan would be the  length ... if loan is suspended for say 3 months then the loan maturity date gets extended by the same. Their answer was yes. It took 9 months to get insurance company to correctly payout and get work completed, so there were no mortgage payments made for those 9 months. Once completed Loan Depot sent me a trial modification program to get the process started. I was told that the higher payments were to assist in getting the escrow balances back on track, I made all the payments ( on time ). Then came the loan modification itself, documents came along with foreclosure, short sale and deed-in-lieu documents. This scared me to death so I signed the new loan. My payments went from roughly $ XXXX/month to $ XXXX/month due to an additional {$18000.00} being added to the loan. They said it was for the unpaid months during forebearance. I called several times trying to get clarification but got the run-around each time. Not sure how it works ... loan payments were suspended ... yet they are charging me for them as if they made them for me. Again I go back to my question prior to accepting the forebearance program, trust me if I had any inclination that they would added that money to the loan I would have never done the program. They also talked on fees ( not sure for what ) and reported me to the credit bureaus as late over 120 days ... which they promised me they would not do. 

I feel as if I was scammed, the program is to assist people in times of trouble and because of it I have an even bigger problem now. If I was going to have difficulty paying {$1700.00} a month ... how can I afford {$2100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: IL

Complaint narrative:
I've used XXXX for the 3 credit bureaus since, I think, XXXX. Never any problems with hundreds of other web sites. I've used the latest version of XXXX on XXXX XXXX since XXXX. All patched and working perfectly. 

XXXX and XXXX credit reports have always been available on-line. 

Equifax was last available in early XXXX. That's right -- their web site has said the credit report is not available on-line, in so many words, in XXXX, XXXX, and now XXXX. 

They have a legal obligation to provide the credit report, and I should think that a functioning web site is part of that obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I do not have any outstanding medical claims with any company. This is not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I was just informed during a telephone call that I made to Radius Global Solutions by a supervisor by the name of XXXX XXXX, that they are attempting to collect a debt of {$800.00}. My credit report states that the alleged debt is {$770.00}. She then also stated that there was some other {$25.00} charge.The telephone call took place at XXXX central time. It was also stated the 3 times I was placed on hold that the call can be recorded or monitored. It also turns out that she confirmed that the account was opened with them on XX/XX/2019. I had no knowledge of this due to them not stating who they were on the telephone when they contacted me some weeks ago. I did tell them to only contact me by mail. And they did, BUT they sent the documentation to address I have not been associated with for the past 2 years 5 months. It also turns out that XXXX XXXX stated that the debt was bought by them from the original creditor XXXX XXXX XXXX XXXX. I do know for a fact this debt did also come from a company called XXXX XXXX before the date that Radius Global Solutions on XX/XX/2019. When the accout was in the hands of XXXX XXXX it had gotten deleted due to not being able to Validate the debt. XXXX XXXX XXXX is a debt purchasing company, not the original creditor of this debt. If the Original creditor is no longer attached to this debt and can not be validated this item need to be removed IMMEDIATELY. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Mortgage company returned a {$100000.00} payment on a loan. 
The loan is NOT in default. 
No reason was provided for why the payment was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Upon closing XX/XX/XXXX, my county taxes for XX/XX/XXXX were estimated to be {$1200.00}. A supplemental form was mailed to me for the correct acreage of my home, so the actual amount owed for my XX/XX/XXXX county taxes was {$1300.00}. 

I sent this supplemental *correction* form to my mortgage company and asked them to tell me what I should do with it. Instead of responding, they mailed a letter saying they'd paid the supplemental taxes. This was in XX/XX/XXXX. 

My Annual Escrow Account Disclosure Statement shows that ANOTHER disbursement for {$1200.00} was made for county taxes in XX/XX/XXXX, bringing my escrow to a negative amount of - {$1700.00} somehow. 

I have been calling and emailing and faxing this company for several weeks to no avail. I checked with my county tax assessor to be sure, only one payment was due and paid of {$1300.00}. 

My mortgage payment is due tomorrow and I'm very worried. I am continuing to call the company for help, but I never get the same explanation twice. I've been told they can't even see the escrow disclosure statement, and they've asked me to fax it over TO THEM, when they are the company who mailed it TO ME. I can even log on to my account and see the same form. No one seems to know what I'm talking about. Please help. 

My monthly payments have now gone from {$790.00} to {$940.00}, which will be a struggle for me.

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 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i requested that Equifax send to me documentation of items that they are reporting on my credit file and to do a proper investigation ( this was 60 days ago ) I requested copies of the documents with my signature verfiying that they are reporting on my credit file and all they sent me was a credit report with some of the items deleted. There was no investigation done other than them going back to the furnisher who orginally provided the inaccurate and unvalidated information. I explained to them that there is also someone with my same last name that they may be reporting on my file. 

THEY DID NOT DO A PROPER INVESTIGATION AND THEY DID NOT SUPPLY ME WITH THE INFORMATION I REQUESTED AND IT HAS BEEN 60 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Avid Acceptance, LLC
State: TX

Complaint narrative:
XX/XX/2019 - late payment. XXXX from Avid acceptance called my job. I'm not allowed to have personal calls. I told her I'm not allowed to have personal calls. She tried to become aggressive with me before I could hang up. 

XX/XX/2019 - late payment. XXXX called my parents, and my parents told XXXX to stop calling them. 

XX/XX/2019 : late payment : XXXX called my office again. My office extension is broken, so I wasn't able to pick it up. So, my receptionist paged me. I wasn't able to get the call in time before the person hung up. About thirty seconds later, my cell phone rings. It's XXXX from Avid Acceptance. I asked her if she called my office, and she said yes. I told her to stop calling me, again. She then became  verbally angry and yelled at me " WHEN ARE YOU GOING TO MAKE YOUR NEXT PAYMENT?! '' Then, I hung up and created this complaint.

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 2019-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
After making 16 payments to XXXX XXXX XXXX part of TD bank group I missed two payments due to a car accident I called and told them but they repossessed my car and wont work with me. They are very rude and unprofessional and wont help me out even though I a veteran and recovering from a car accident

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tennessee Quick Cash, Inc.
State: TN

Complaint narrative:
My husband died suddenly and as a result I had to appeal and verify my claim with the XXXX XXXX. On XX/XX/XXXX to travel to Washington, DC I made a vehicle title laon with TN Quick Cash later that XX/XX/XXXX I mad an additional loan of {$1000.00} making the total {$2000.00}. During this time I was unemployed. I informed them and trying to work out a lower payment and their, agent said, " on, and informed me how he was going to send someone over to get the car. This was XX/XX/XXXX. I never got any statement. to this day, XX/XX/XXXX, I have never received " any account statements '' I had to file bankruptcy due to the problem with the VA. My attorney tried to work out a payment with TNQuick Cash in XX/XX/XXXX. They then notified the court which dismissed my case. 
Tday XXXX, without notice, TN Quick Cash came on my driveway, without any notice and repossesed by car. This is wrong and they have never supplied me with any account balances or statements. 
Please investigate. I have proof of other actions of them being on my property at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A Chase Credit card shows up on my credit report as past due amount from XX/XX/XXXXand that the amount was charged off. This card was paid as agreed and not a charge off. The information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Altisource Portfolio Solutions, S.à r.l.
State: AL

Complaint narrative:
I received correspondence from XXXX XXXX regarding an alleged debt from XXXX for {$1000.00}. I spoke to several people from XXXX including XXXX his manager XXXX and another representative back in XXXX of XXXX that assured me this issue was resolved. All of these people advised me that there had been three accounts set up under my name in error and the extra account showing a balance of over {$1000.00} would be closed immediately. I have continued to do business with XXXX and pay my account faithfully. I have not received any notifications or heard anything from XXXX regarding this fraudulent account until i received this collections notice on XX/XX/XXXX. I attempted to contact the company directly to discuss but the representative XXXX was more interested in being unprofessional then resolving my issues. I am disputing this balance because I never owed this balance nor have I signed any paperwork regarding this account. From day one XXXX  has been deceiving and untrustworthy and they NEVER do what they are supposed to do. This account has been opened up in my name and ss # fraudulently. I demand that this account be verified and validated and removed from all three credit bureaus immediately.

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 2019-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I walked in the BBVA Compass Branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2019 and requested to close my checking account. I had a small amount of money in the account which I withdrew, and verified with the teller that my account was closed out. 
About a week later I receive an overdraft letter, then another, and another. So I go online and log into my old account, which I should not have been able to access since I was told it was closed! Low and behold I get in and there is XXXX worth of charges and overdraft fees. One was a ACH from a CC that must have gone in under the radar, but the rest were debit payments that should never have been paid. My debit card should have been shut down the minute I requested to close this account. ALL debits should have been denied if this account was closed. I was in the process of switching everything over so I would have dealt with any loose ends or merchants on my end. 
When I contacted Compass I was told that they re-opened my account when the ACH went through the next day, and that I have to wait 30 days for it to be completely inactive. Um I never gave them permission to re-open my account, and when I was ther in person to close my account they NEVER mentioned any of that. 
This bank preys on people with overdraft charges, which is the primary reason for my wanting to close this account because of past issues with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I was given the opportunity to pay my WHOLE credit card prior to it being late. When I talked to the representative, she indicated that if I made the payment in full ( when asked if I can get an extension because I had funds coming that was late that was being deposited in my account ), that they would ignore showing a late payment to the credit bureaus. 

I made the WHOLE payment of over 10k as discussed, and within 3 days, they reported the late payment, thus showing a 130+ point decrease on my credit scores. 

I have attached a statement that USAA had given me to show that it was NEVER late, and that I am in good standing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief