vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-17 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: IL

Complaint narrative:
I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

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 2018-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I order a product from a website, it say only XXXX for trying this product. I didn't notice there is a catch on this product for XXXX cost. on the email i got from this company see attached doc, it didn't say anything about additional charge. i call my credit card company and provide them with this email, my credit card company refuse to get this taking off my credit card. please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: SC

Complaint narrative:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent XXXX XXXX a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX, I applied for an apartment and got denied due to charges from a previous apartment that I was co-applicant on back in XXXX being on my credit. I never received any notice from the apartment complex, not the collection agency in regards to thee charges. Needless to say, these charges have now accumulated almost {$2000.00} in fees with this collection agency. I contacted the collection agency ( the apartment that ran my credit gave me ) to find out from their representative that they show in my file that I was never contacted and they never tried to contact me. My phone number has not changed. The address they have on file is my mother 's address, which I have been home to see on numerous occasions and had no mail from neither the apartment complex, nor collection agency. So, the collection sends me a break down of the charges. The dates and fees do not make any sense. If I gave notice on XX/XX/XXXX, and my move out date was XX/XX/XXXX, why are there legal fees charged to the account on XX/XX/XXXX. There are charges of written fee and certified letter ( that was never sent cause collections already confirmed that no one tried to contact me ). Also, there are charges for water for XX/XX/XXXX, rent ( vacant rent charge ), washer/dryer, and trash removal for XX/XX/XXXX. How are these charges legal charges when notice was given on XX/XX/XXXX for move out on XX/XX/XXXX. Now they are stating that if I pay half of these charges, they will give me a letter stating that I am paying so I can give to the apartment complex I am trying to get into now, but these charges are not truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I turned in my XXXX lease and purchased a new vehicle. The lease was due to end in XXXX so it was an early termination. I had automatic payments set-up for the lease on the Ford Credit site. When I was signing my paperwork I asked if the payments would stop and they said yes so I did not do anything. Come about XX/XX/XXXX or XXXX I noticed the amount was still sitting in the auto payment for the lease and I tried to stop it but could not ( all done on line ). I guess I should have called but I didn't. At that time I thought well I will get a refund since it was an overpayment and I had this happen before and got all my money back. 
Well I did get a refund on XX/XX/XXXX ( check dated XX/XX/XXXX ) but it was short. So I called. A gal by the name of XXXX could not answer why it was short and said that the " End of Terms Dept ''  would call me the next day ( the XXXX ). No one ever called. Therefore I thought I will get the $ 47+ in the mail ( but no ). On XX/XX/XXXX I called again, XXXX helped me and I finally found out ( after being on hold ) that they withheld the taxes, because they were paid to the state. I laughed and said that was a foolish answer and I wanted to speak to someone else. So XXXX XXXX got on the phone and she matter of fact told me to go to the State of Florida to get my refund of the taxes. I told her that is totally ridiculous since I did not pay the taxes they did. And, I also told her that I know for a fact that they get a number of other payments in and that when they give a refund they can certainly deduct my portion from the others. She continued to state the fact they immediately send the taxes to the appropriate states and I would have to go to the state to get the refund. I again know this would never happen. I also told her that I am a business owner and know that if they would have refunded my taxes when I called it would have been in XXXX and no foul. It would have all been in the same month. I asked to speak to the leasing department and she said she would send them a message to call me ( I doubt they will call since I do not get calls back ). As of today the XXXX, I have not heard from anyone else about this matter. I personally think this baloney and Ford Credit is either lazy or keeping the money because technically the taxes to pay my state are not due till the XXXX of the following month ( XXXX ). Where is the customer service from this large organization?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Opportunity Financial, LLC
State: KY

Complaint narrative:
DO NOT APPLY FOR ANYTHING WITH THIS COMPANY!!! THEY ARE A SCAM AND WILL XXXX YOU OVER! THEY FALSEY APPROVED MY APPLICATION ONLY TO DENY MY APPLICATION AFTER A GUY CALLED FROM THIS NUMBER XXXX AND DIRECTED ME TO GO TO THIS XXXX XXXX AND CLICK ON 5 STARS AND WRITE SOMETHING NICE ABOUT A LADY NAMED XXXX. I DO NOT EVEN KNOW XXXX!!! WELL ONCE I DID EVERYTHING HE ASKED ME SAID AGAIN, THANK YOU AND CONGRATS AGAIN ON YOUR LOAN APPROVAL. WELL IT GETS POSTED THEN ALL OF A SUDDEN THEY SENT A EMAIL STATING IT WAS NOT APPROVED!!! WOW!!! I WILL BE CONTACTING THE BBB AS WELL AS WELL AS THE CEO OF THIS SO-CALLED COMPANY

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
Over the past 13 months Bank of America has been feeing this account {$5.00} per month without proper disclosure. As I need to close this account, they will not do it as there is a negative {$5.00} balance due to their monthly maintenance fee. 
Account number 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 monetary relief
Consumer complaint received 2018-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Mortgage Company : Mr. Cooper Loan Num : XXXX BK Case no : XXXX BK file date XX/XX/2018 To Whom It May Concern : Im writing this letter to complaint about my mortgage company and communication received from my lender about my homeloan. I filed XXXX XXXX bankruptcy before the foreclosure sale date what is referred to the automatic stay, Im confuse as to why my house foreclosed even do Im protected by the bankruptcy law. Im requesting that the foreclosure gets reversed. I want to stay in my house. I would like for my lender to assist me with a reasonable payment plan or loan modification. I have called my lender on various occasions and talked to different representatives regarding a solution to me defaulting on my mortgage and haven't received a real solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank N.A. issued a refund check on XX/XX/2018 for {$600.00} due to flaws in their methodology. They failed to review my account and issued a retroactive check. I called 6 times and I could not get an answer to the following questions : 1 ) What APR was used to issued the refund? 

2 ) Why has my APR not been lowered, currently at XXXX % The letter clearly states " Please note that Citibank NA has corrected the APR on your account '' I honestly believe Citibank continues to be in violation of Regulation Z, plus they are also not disclosing the APR used to calculate the refund.

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 2018-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: PA

Complaint narrative:
Dynamics Recovery Solutions calls me with a debt claiming to be XXXX XXXX XXXX in which I never heard of or no of. My next issue when they call they ask me did I want to settle the debt with a credit card number. The person on the phone could not provide me with no notice in the mail nor have they mailed me nothing. When I ask them can they provide a contract and who sign the said they did not have one. After that I told them that I was filing a complaint with the US Attorney office of consumer complaints and the CFPB. I called back 15 minutes later they claim it belong to some one else over the phone. Then call me back trying to explain there mistake.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Larry H. Miller Group of Companies
State: OH

Complaint narrative:
I purchased a vehicle in XX/XX/2016 and the finance company was XXXX XXXX XXXX XXXX. They sent over this list of criteria the dealership had to meet in order to allow the loan. Long story short the dealership used deceptive practices and sold me a car that was not only grossly misleading of the condition and history of the vehicle it didn't meet the criteria for the loan either. I sued the dealership and won. XXXXXXXX XXXX  will not review my loan nor let me out of the contract even after I explained all of this to them. They constantly harass me every single month even though I make my payments faithfully. I do not want to continue paying for a car that the dealership dose n't even want it back due to the fact I have exposed them and the fraudulent practices they used to get me in the car in the first place. I have already paid about {$10000.00} to this company and if I have to sue them too for having knowledge of the fraud the dealership THEY ARE COOPERATING WITH then I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Regional Management Corporation
State: AL

Complaint narrative:
Calling my work numerous times asking personal questions. Asked my hire date! Calls at least 3 times a week. Her name is XXXX XXXX, she is not the only one calling now ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Request to remove the United States Post Office as my personal address was ignored by Experian reported XX/XX/2018. I received notification that the address reported by and on Experian file at XXXX XXXX XXXX # XXXX XXXX XXXX, Md XXXX was high risk to lenders. 

On XX/XX/2018 a consumer file was pulled from XXXX showing XXXX XXXX XXXX Unit XXXX XXXX XXXX, Md 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 2018-09-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I am in receipt of HSBC 's response regarding account number XXXX, dated XX/XX/XXXX. In their response, HSBC has the audacity to state, " While in operation, it was the policy of HSBC to conduct its business in full compliance with the letter and spirit of the laws and regulations of every community in which it operated and to adhere to the highest ethical standards. HSBC does not participate in, support, or condone predatory lending and servicing ''. Really ... ... ... In contrary, headlines state differently as evidenced by such : XX/XX/XXXX. HSBC agrees to {$760.00} million settlement with DOJ over pre-crisis mortgages Plus {$26.00} million settlement with Massachusetts. many of these loans were presumptively unfair under Massachusetts law because they had debt-to-income ratios over 50 %, included substantial prepayment penalties, had loan-to-value ratios over 97 %, and included other problematic features. Case in point account number XXXX. Beneficial 's solution ; sell these toxic mortgages to XXXX XXXX XXXX, XXXX and others and offload the problems. HSBC continues to insufficiently address my concerns with my parent 's alleged enforceable loan. They have yet to explain to me on behalf of my deceased parents how the legal description in the loan documents does not match the alleged security interest they sold to a third party to avoid further scrutiny. Not to mention, addresses, zip codes, credit reports, appraisals and title searches contain numerous errors. Fraudulent and predatory to the core. I demand an investigation into these matters. Who did they sell my parent 's alleged loan to? Why has an assignment not been filed? Does my parents have any obligations to HSBC or XXXX XXXX XXXX at this point? Has HSBC conducted any investigation into the defective legal description noted in alleged loans dated XXXX, XXXX and XXXX? What have they done about it?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections
State: TX

Complaint narrative:
On XX/XX/18 I was informed by XXXX XXXX that Bonneville Collections had increased the amount owed on a debt. This is not the first time. My original debt was XXXX and they have raised it to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I emailed e-money a copy of the cancellation letter asking them to cancel the {$400.00} loan they told me the letter was received and would cancel the loan of {$1200.00} and that I would only be responsible for {$400.00}. I emailed them again and said I would pay the money at a later date. I received an email from e-money today threating to call my job, my cell, and references that were used on the application. I can't accept calls from bill collectors on my job nor do my contacts wish to be bothered about a loan they DO NOT owe. E-Money needs to not contact me on my cell, at work, nor contact the references because they will take legal action against the company. 

I will have attached the cancellation letter I sent the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Sent letter ( attached ) XX/XX/2018 No response or back up from debt reporting on my credit report XX/XX/2018 - Made a complaint to CFPB - CCS claims that they have no information and did not address - the debt which is reporting. Claims they are not handling. 

They reported CCS same company that claims they are not handling on my credit report once again - XX/XX/18 I have attached a picture of the line item on my credit report and the Derogatory contact info from my credit report. This is where the letter was sent, in XXXX the same information sent in XX/XX/2018 etc .... 

If CCS can not provide back up on the debt they are reporting it needs to be removed from all credit reports immediately. I feel I have done everything I can do to verify the debt. When you call all that is stated is balance due and I should know what the debt is for. it is my debt. Which is odd.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Current Creditor : Phoenix Financial Services LLC XXXX XXXX XXXX XXXX, IN XXXX Previous Creditor : XXXX XXXX XXXX XXXX Reference # : XXXX Balance Due : {$180.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Original Acct # : XXXX Original Balance : {$180.00} Date of XXXX XXXX : XX/XX/2014 I received a debt collection letter as well as a negative mark on my credit reports for the above listed account. Originally, XXXX XXXX XXXX XXXX had to remove the information from the credit bureaus and cancel the collection because they were unable to prove the billing providing bogus information and a falsified bill information. XXXX XXXXXXXX XXXX   XXXX is not owed this money hence the dispute. 

However, they to pursue this action by posting negative collection information on my credit. I have requested that this debt be removed as soon as possible. The fact that they sold this debt and it continues to be an issue has caused me to file a complaint. 

Selling and re-selling a debt that is not mine and my having to constantly remove from my credit is creating a problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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 have asked Transunion to fix these issues and i have sent copies of cease the reporting of these inquirese as soon as possible on my credit file. Also new ones have been added recently that do not recognize and i have asked to be removed. I have not been credit shopping fpr new credit in the last 4 years for new 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 2018-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have tried sending them multiple goodwill letters explaining why I had 1 late payment in XXXX of 2017. Due to a financial hardship I had when my son was sick and I had to pay a medical bill I was unable to make my payment on time. I have been a customer for over a year and a half and have not had a late payment since then. They are not willing to help me remove this late payment.

Company response to consumer: Closed with explanation