vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I had signed up for Transunion and when I wanted to cancel their website only provided a number to call. 

I have a XXXX XXXX  where I dont like being on calls with people. I did some research and I found people talking about their experience and how they were pressured into staying on a discount. All of this made me more XXXX  about calling to cancel. 

I then found on XXXX a link to cancel online. I was able to cancel online. 

I find it ridiculous that they have the capabilities to cancel online but they hide it and dont make it available to find on their site. I shouldnt have to use XXXX to find these things

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 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WEICHERT FINANCIAL SERVICES
State: NJ

Complaint narrative:
I came out of 3 months FORBEARANCE and wanted to refi MORTAGE at XXXX to XXXX with the amount I owned on my condo with Weichert Financial. They sent me letters that stated that they would help. Went thru channels to refi, I have excellent credit no issues they claimed the same thing. But they also stated I must pay All the arrears amount of both houses I own, one is a condo and the other is 2 family house. I took at a loan to pay ALL my Debt. And payed everything thru my bank XXXX XXXX. Continue the process with no issues. I was now current and out of FORBEARANCE. They also charged me {$500.00}. to get a Appraisal witch I paid. My Weichert Financial processor told me it would be a 3 weeks turn around and it was in underwriting for final approval! After numerous calls and emails Ive notice I had to XX/XX/20. I finally Received a email advising me my debt ratio was too high!! And wouldnt process the refi and denied me at the final moment! They had what I made, saving, XXXX and investment amounts and rental amounts. Had ample!! This is total wrong and unjust! It appears it was all a scam to get the money I owe them with no resolution or help Ive been a good paying customer for 10 years!! I feel they should of help they didnt!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jacob Law Group, PLLC
State: MS

Complaint narrative:
I am in a payment arrangement with Jacob Law Group in XXXX, MS . Calling to make payment results in degrading conversations and an insult to my intelligence. I have repeatedly tried to speak with management to no avail. I have also spoken with the Justice Court Judge involved in the matter. Nothing has changed the behavior or tactics of this Collection Agency. Their treatment of individuals is cruel and inhumane. I should not be humiliated just because I am honestly and legally trying to pay off a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I have tried to unfreeze my credit at Equifax for the past month. 

I have done the following. 

1. Access my account online and try to unfreeze the account. The website throws an error and doesnt work.

2. I have tried calling Equifax customer service to unfreeze the account. The representative requested I mail a copy of my social and drivers license to Equifax. I have done that and the account remains frozen. The mail was sent over two weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: TN

Complaint narrative:
This is a follow up to XXXX # XXXX. On XX/XX/2020 the company CLAIMED to have tried to contact me by phone AND email but had been unsuccessful. This was false. I received an email AFTER this response was received by the CFPB and it was an email only. I've since tried to return the call and left messages to the number provided XXXX XXXX XXXX XXXX XXXX times with no response. I also replied to the email but the company continues to ignore me and my messages. They still are in possession of a prepaid debit card containing my widow 's benefits for over {$470.00}. I have been told no less than five times the card is being mailed but it never comes. Please don't let them claim they have resolved this as they have not and my card is still outstanding. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These are not my accounts. 

XXXX XXXX # XXXX XX/XX/2020 Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt. 

XXXX XXXX XXXX # XXXX Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of 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 explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These are not my accounts. 

XXXX XXXX # XXXX XX/XX/2020 Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt. 

XXXX XXXX XXXX # XXXX Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of 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 explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
These are not my accounts. 

XXXX XXXX # XXXX XX/XX/2020 Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt. 

XXXX XXXX XXXX # XXXX Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I wired XXXX of my business account to my family, my bank to XXXX XXXX instead and I told them about it .its been XXXX and I havent gotten my refunds back. Im out of business as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I purchased a mower on my XXXX XXXXt credit card on XXXX XXXX for {$3500.00} with deferred interest for 24 months. My first payment of {$140.00} was due on XXXX XXXX. I paid {$140.00} on XXXX XXXX. I mistakingly under paid by {$1.00} and paid another {$5.00} on XXXX XXXX. On the next month statement it reflected a {$27.00} late payment fee. Numerous calls to the customer support center were made without being able to speak to a real person, in excess of 1 hour wait times. I paid another {$150.00} on XX/XX/2020 ( due  XX/XX/2020 ). Because I only paid my regular monthly payment and not the {$27.00} late charge I was assessed another {$38.00} late fee. Additional calls to the support center were not answered. I engaged the on line service who said they would waive the {$38.00} late fee if I made an immediate payment on XXXX XXXX in the amount of {$200.00}. I paid this well in advance of my regular scheduled date of XXXX XXXX. The {$38.00} fee was reversed but not the {$27.00}. Additional numerous calls to help center have not been answered even though I have waited on the phone for 1 1/2 hours on hold. The online assistance will not reply to my latest request to have the Original late fee reversed. I believe this is financial abuse by the company and their inadequate customer service makes resolution impossible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: KY

Complaint narrative:
I had rented through an apartment complex called " XXXX XXXX '' in XXXX, Virginia from XX/XX/XXXX though the end of XX/XX/XXXX. We had left our lease early as I needed to relocate for a job opportunity. I had to go through the early lease termination which was set at XXXX or 2 months rent. We were told we would leave, they would make their assessment of the amount of the deposit to be kept and send us a notification of the amount still owed. I received the letter listing what the deposit was used for and the amount left over and the notice I had 14 days to dispute the amount with the management team. This letter had no due date and had no terms on how payment should be made or at what date the payment was due by. So, reasonably, I was under the assumption they would wait the dispute period and then would send me a final bill. The next communication that I received was a phone call from a debt collector saying that I was sent to collections and asked if I was able to pay the amount in full that day. I told them during the first call that day that I was at work and requested a call back the next day. I was then called a few hours later that same day after making an appointment for the following day. I told the representative this and he said that he figured he would try again just to see if I was available. I told him I was driving and was unable to do any kind of payment or really work out many details. I did ask what the settlement amount was and was told the offer was available for 24 hours. I told him I would have to be in contact with them later and that this amount shouldn't have been sent to collections yet as I hadnt revived a final bill. He told me that the debt has been reported to them on XX/XX/XXXX, and they reached out to me on XX/XX/XXXX. They didn't inform me of my ability to dispute the debt at all and as of today XX/XX/XXXX I have yet to receive any written document from the debt collector. Looking back at my lease it says that I have 60 days after my vacation notice from the apartment to settle all amounts owed to the management office. My vacation notice date was XX/XX/XXXX which means I would have had to pay any amount owed by XX/XX/XXXX before my account would have been sent to collections. The collection agency is Hunter Warfield.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
The XXXX XXXX XXXX XXXX sent a letter to me on XXXX XXXX, XXXX regarding an alleged medical debt. 

The company stated in the letter that unless you notify this office within 30 days after receiving this notice, that you dispute the validity of this debt or any portion thereof, this office will assume the debt is valid. 

**THEY DID NOT GIVE ME THE 30 DAYS REQUIRED to dispute, before they added this debt to my credit report on XXXX I immediately reported this company to the BBB who received a comment from the company that they world refer this debt back to it's partner XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

I also called the company on XX/XX/2020 and disputed the validity of the debt to which I was advised it would be taken care of by referring it back to XXXX XXXX XXXX XXXX XXXX ** but did not remedy me by removing the information it has placed with the credit bureaus. *** I disputed the collection account with Experian who just sent me a message saying they verified the debt and will not be removing it from my report. I challenge this as I believe the company has violated the Fair Debt Collection Practices Act as well as the Fair Debt Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I filed a dispute with the credit bureau and all they did was to reach out to the lender to verify the payment history. Not sure what is the purpose of a dispute if I present my evidence and it doesnt get taken into consideration. Basically why did you ask me to provide support if your not even going to use it to figure out my case. 
I feel that this system is rigged from the beginning and the consumer doesnt have a chance to win anything that they are disputing.

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 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: DE

Complaint narrative:
To whomever, My loan was sold to Loancare in XX/XX/XXXX/XX/XX/XXXX since then I have had nothing but problems with the XXXX  / Loancare processing. 
# 1 First they converted my loan with my old address and sent emails to advise me, to my old address, from 3 years ago, so Mail is not being forwarded.

# 2. Tried to charge me for Homeowners insurance because the inforce policy information never carried forward, took two months to resolve this.

# 3. Tried to charge me for FEMA flood insurance, never carried forward my inforce policy. Took 2 months to get that straight.

# 4. Insult to injury, after sending copies of inforce, paid in full policies, They tried to say I needed to escrow so they upped my mortgage payment. In 25+ years I have never escrowed! 
# 5. Been on the phone with Customer Service 5 times since I am unable to get onto my online account. I have subscribed to electronic statements, they send emails but I cant access my account.

I have had enough of the miss handling of my account almost to the
degree of wanting to refinance just to get away from this company. Worst ever!

See below screen shot Please advise. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, De XXXX From : XXXX Date : XX/XX/2020 at XXXX XX/XX/XXXXEDT To : XXXX Subject : LoanCare User ID Request This message was sent securely using XXXX Thank you for using XX/XX/XXXX Web Access to your loan information. 
Your user id request is complete. 

User ID is XXXX Loan number is XXXX For assistance or questions : Client Phone is XXXX To access your account, please go to https : //www.myloancare.com NMLS # 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 2020-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems Debt Collecting Agency is refusing to validate alleged debts that I owe and can not provide sufficient evidence to me that I owe the debt but keeps falsely reporting the debt as valid on my credit report. They call multiple times a day and when I demand validation they talk in circles around me. I disputed the debt at each credit bureaus and each dispute comes back verified. XXXX provides a copy of the investigation and they Jefferson Capital Systems provided fees to XXXX and nothing more as their way of validating the debt. This is not sufficient evidence and they have damaged my credit for a long time and I want this off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I filed a dispute with the credit bureau and all they did was to reach out to the lender to verify the payment history. Not sure what is the purpose of a dispute if I present my evidence and it doesnt get taken into consideration. Basically why did you ask me to provide support if your not even going to use it to figure out my case. 
I feel that this system is rigged from the beginning and the consumer doesnt have a chance to win anything that they are disputing.

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 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I filed a dispute with the credit bureau and all they did was to reach out to the lender to verify the payment history. Not sure what is the purpose of a dispute if I present my evidence and it doesnt get taken into consideration. Basically why did you ask me to provide support if your not even going to use it to figure out my case. 
I feel that this system is rigged from the beginning and the consumer doesnt have a chance to win anything that they are disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TX

Complaint narrative:
XXXX XXXX granted me a deferment/ forbearance on my student loan for XX/XX/2020 but they also placed the late on my 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 2020-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TransWorld is reporting negative on my XXXX credit report. Debt was paid in full on XX/XX/13, and yet has been removed from negative reporting on my XXXX profile. XXXX neglect to remove reporting, companies combined debt on XXXX XXXX XXXX report with two different account numbers. When asked rep to advise further how can you combine two different accounts with different alleged medical dates, rep hung the phone up in my ear without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
When we had got the vehicle from the car lot they did not tell us that the loan had day to day interest and that we only had to pay the x amount each month. Not only that but car was damaged and we asked them prior before buying if the car had any problems what so ever. They said no and as soon as we start driving it the frontend started having problems and the trans started to go bad so we ask them to fix the problem and did not do so even tho they had the car for almost XXXX weeks and we got it back the same problems were still their. The car lot got into trouble for selling vehicles that weren't inspected by the state and the loan company did not check to see if the car lot was following state laws and having the vehicles inspected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
When I checked my credit with XXXX I noticed a fraudulent collection charge. From this, I disputed the collection through XXXX   Seeing as I submitted it incorrectly XXXX  told me to contact the collection agency directly to retrieve accurate information. Once I contacted the collection agency a woman by the name of XXXX XXXX, phone number XXXX XXXX XXXX XXXX ext. XXXX, was kind to be of assistance. She informed me that the debt stemmed from an apartment complex in XXXX. Furthermore, she noticed several red flags in the file, the biggest being the initial lease application only had my name and no evidence of Identification ; copy of drivers license or social security card missing. This lease and debt are both fraudulent activities. Her advice was to submit a complaint via the Consumer Financial Protection Bureau. XXXX insisted I do this in order to have this removed from all credit bureau reporting agencies. To this day, I have never signed a lease in XXXX and aside from a signature on this so called lease, there is no direct evidence that this debt belongs to me. Please advise at your earliest convenience on solutions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TX

Complaint narrative:
XXXX XXXX granted me a deferment/ forbearance on my student loan for XX/XX/2020 but they also placed the late on my credit report.

Company response to consumer: Closed with explanation