vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
This company continue to use every trick in the book to raise my mortgage. They forced escrow on my account after seventeen years of me paying them. Now they are trying to force place insurance on the property even with me sending proof there times and my insurance agency sending it twice. Each time they say they have not received the paperwork but we have confirmation of each. Now today they sent a statement saying my mortgage will go up again to XXXX a month. My mortgage started out at XXXX. This company is using unfair practices and is attempting to strong arm its customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: FL

Complaint narrative:
My mortgage account with XXXX XXXX XXXX is not reflecting that it is paid off on my TransUnion report and I recently tried to contact XXXX XXXX XXXX to no avail.

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 2018-10-30 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: UT

Complaint narrative:
XXXX XXXX/XXXX XXXX is reporting on my credit and I never received a notice regarding this very old debt that is well past the statute of limitations. 
When I called recently about it because I saw it on my credit report they said they do not send out notices. 
Its a law that you notify a consumer before reporting to 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 2018-10-30 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit and I never received a notice regarding this very old debt that is well past the statute of limitations. 
When I called recently about it because I saw it on my credit report they said they do not send out notices. 
Its a law that you notify a consumer before reporting to 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 2018-10-30 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 with product or service terms changing
Company: Home Loan Center, Inc.
State: KS

Complaint narrative:
This is XXXX XXXX I was looking for a loan and was told by XXXX at XXXX XXXX it was possible to get a {$2000.00} loan using XXXX XXXX XXXX XXXX in Va. 
They sent me the contract and I filled it out, there was two ways of getting it approved and so I chose the second one of paying a XXXX dollars which would be refunded on XX/XX/XXXX, They wanted it on an XXXX {$100.00} card, which was sent today. 
Then I was told by XXXX that the money would be transferred into my bank account within the hour, it's a hundred miles home, after we got home, I checked my account and nothing was there. 
I then opened my email and found a letter from a XXXX XXXX with the Kansas Dept of Finance, XXXX XXXX XXXX  MANAGER, wanting {$160.00} plus {$8.00} for a stamp that had to be paid by XX/XX/XXXX. 
I called the zlending company back and talked to XXXX who had told me that he would call her and see if they could take it out after the {$2000.00} was put in. 
They closed at XXXX XXXX eastern time and right before that he called back and said it was denied. 

By this time I was suspicious and found the right number to call the Kansas Bank XXXX and talked to a community care person, who told me no one by that name worked there and it sounded to her like a scam, as no legal loan company would demand money. 

So I played dumb when I called the loan company back, they told me since I had refused to pay the {$170.00} I needed to send them an email saying I was not going through with it. 
Then when I got that letter back it said they could take {$100.00} back for cancelling the loan, so our {$100.00} XXXX card we sent would not be returned. 

I don't want others taken by these scammers and I think you need to investigate them thoroughly. 

I am attaching the letters, phone numbers and everything to send to you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
follow up to complaint # XXXX. After speaking to several agents at Mr.Cooper, I finally was able to speak to a CS rep, who went over several large checks that were disburse and charged to our escrow. The amount of the disbursements were $ XXXX $ XXXX {$6700.00} ... ..this bring us to a grand total of {$28000.00}. A phone call to the taxing authority revealed and confirm although there is a XXXX tax exemption on the property, your mortgage company sent these checks and did not request a refund. A have communicated with a person by the name of XXXX XXXX and sent over, for the 20th time, a copy of the tax exemption. This request to refund the payments are urgent and time sensitive. This action does not need to be complicated by those who may not understand what or how to do this. We are expecting a smooth transition under a federal agency better equipped to handle mortgages transactions, disasters, taxe issues, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a subscription to XXXX XXXX and was immediately asked to respond to verify the purchase. I did and was told via text ( you're all set, and nothing more you need to do to use your card again. If your card was declined, go ahead and try again. It should work this time. ) Needless to say I was not happy. And expressed that to Capital One Employee. 
I then received another text message saying ( Don't worry ... we're blocking new purchases on your card to protect your card. Any unauthorized charges will remain on you account until you report them and order a new card. Sign into your account. ) Transaction amount {$130.00} Transaction time XXXX XX/XX/XXXX XX/XX/2018 I have text to support my claims

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/2018 I cent a certified mail electronic receipt conformation to Experian which was received and signed for on XX/XX/2018 XXXX. 
requesting that certain items on my credit report be verified by providing me with PHYSICAL VERIFICATION OR AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE on 6 accounts reporting on my credit report or be removed. under the FCRA UNVEREFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF YOU MUST REMOVE THE ITEMS. 3 were removed and I got emails today XX/XX/2018 saying that my disputes were ready and 3 remained saying updated. I didn't submit a dispute I asked that the items be verified and requested physical proof an original signed contract or for them to be removed. I never received the physical proof. those items are still reporting and are not validated. my request were not granted.

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 2018-10-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I faxed a letter to This company last XXXX of XXXX to dispute the following : XXXX/XXXX , Opened Date XX/XX/XXXX, Balance {$1400.00} XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$0.00} XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$530.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$550.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$360.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2000.00} DXXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$5500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$900.00} XXXX/XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1100.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4000.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} As I write this letter, this incorrect/invalid accounts continues to damage my credit file and this company doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XXXX of XXXX and a copy of the letter I sent them again, on XXXX XXXX. I do not believe that this items are supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.

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 2018-10-30 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
XX/XX/XXXX-18 Attempted on-line purchase of a dietary supplement ; vendor response : order not completed, try later. Subsequent confirmation ( {$89.00} ) to which I responded " Do not send. '' Product received. I initiated a dispute with PayPal, requesting the {$11.00} shipping be refunded in addition to the product refund. XXXX18 acknowledgment of receipt of case XXXX. I responded with submitting a UPS receipt superimposed on XXXX XXXX dated XXXX-18 that was rejected ; case decided against me. I requested the case re-opened, received confirmation of initiating a dispute XX/XX/XXXX-18. I submitted the XXXX confirmation of receipt, vendor order, and PP confirmation to what I learned is a separate non-communicating entity of PP that reimburses shipping on XX/XX/XXXX-18. Shipping reimbursement confirmation received XX/XX/XXXX-18.  The case was not re-opened, and PP is demanding I pay {$78.00} or the " debt '' will be sent to collections. Clearly, if I am reimbursed for return shipment, I sent the product back. The resolutions agent I spoke with suggested I go to XXXX where the charge had been placed originally ; the XXXX charge, however, was cancelled. It is PayPal I must deal with. I can not even re-send my receipts to them. Impossible, non communicating, arbitrary company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-30 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: FL

Complaint narrative:
XXXX has been provided a police report indicating that i was a victim of identity theft. They refuse to remove the following disputed items that do not belong to me because they are fraudulent.

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 2018-10-30 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: FL

Complaint narrative:
XXXX has been provided a police report indicating that i was a victim of identity theft. They refuse to remove the following disputed items that do not belong to me because they are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have a XXXX XXXX Visa Credit Card provided by XXXX XXXX I transfer my balance {$7000.00} to three different credit card debts on XX/XX/XXXX. {$1400.00} transfer to XXXX XXXX by XXXX XXXX credit card, {$3000.00} transfer to XXXX XXXX, and {$2600.00} transfer to XXXX XXXX credit card by XXXX XXXX  credit card again, and the last transfer have failed, {$2600.00} didn't go to XXXX XXXX   credit card, but XXXX XXXX Visa Credit Card balance it been transfer. 
I have call four times customer representatives, first one POOr Attitude, second one very nice give me advice to apply a dispute by letter, third one she is very patience and  professional, and last one she put on hold and never answer me again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-30 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: CA

Complaint narrative:
In XX/XX/XXXX I spoke with a XXXX 's representative to pay off may account in full and close my account. I received a letter from XXXX XXXX confirming my account had been closed, per my request. Months later I received a bill for interest on the account and was told by a representative that it was an error and would be removed. For several months I received the same bill and each time was told that it was a mistake and it would be handled with no affect on my credit. Several months later I again contacted them but by e-mail to get their response in writing. I was informed in writing that their mistakes would be removed from my credit report. I still have a mistake on my credit report, showing a late payment occurring in XX/XX/XXXX, which is six months after my account was closed. After at least 6 phone calls and e-mails XXXX 's has not removed this from my credit report and this appears to be a malicious act on their part. Please see all attached documentation from XXXX 's,  including their written promise to clear my credit report. This is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have disputed information with all three credit bureaus several times about student loans and credit card debt as well as automotive debt that is on my credit report that is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
On XX/XX/2018 I submitted a balance transfer online with XXXX. It was to transfer {$6000.00} from Barclays or barclaycard to XXXX at 0 %. The transfer has not happened yet. I called XXXX first who stated that they first tried to do the transfer electronically but that Barclays rejected it so they had to send a check. Barclays has done this to me before with another transfer a couple years back. XXXX then sent a check on XX/XX/18 which has not yet posted either. I called Barclays and they claim they never rejected the electronic transfer and have not received the check. It does not take a week for first class mail. As a result, I have a past due payment at Barclays, the past due fee put me over my limit which is another fee, and the card is shut off. Clearly Barclays intentionally delays transfers and did this one to mete our revenge and get as much last minute money as they can before the balance goes away.

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 2018-10-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have disputed information with all three credit bureaus several times about student loans and credit card debt as well as automotive debt that is on my credit report that is not mines.

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 2018-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The payment history states I was late making a payment in XX/XX/XXXX. I made the payment on time called 9+ times to the creditor directly, spoke to transunion and got it corrected only for it to revert back.

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 2018-10-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The payment history states I was late making a payment in XX/XX/XXXX. I made the payment on time called 9+ times to the creditor directly, spoke to XX/XX/XXXX and got it corrected only for it to revert back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: WI

Complaint narrative:
I had an account with XXXX XXXX XXXX and I tried repeatedly to get them to discontinue the service, I told them I no longer wanted it. I returned the equipment and I continued to get billed. I called to dispute the charges and I was told that there was nothing I could do because it had be referred to collection so just wait for them to contact you. When they finally did contact me they referred me back to XXXX XXXX who is now XXXX. When talking to XXXX  I explained the issue it was they investigated it and found that I was correct that I didnt owe the {$320.00} in which they had reported to collections and had been disputing, it was corrected to the amount of {$48.00} that I had been disputing. I made the payment for the {$48.00} that I did owe once they had it correct in the system. I am disputing this collection beginning added to my credit report and not being removed once the creditor and collection agency saw that it was incorrect which is a misrepresentation of facts as well as slander.

Company response to consumer: Closed with non-monetary relief