vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-02 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: NJ

Complaint narrative:
On my report is XXXXXXXX XXXX ... which is not my account. Never solicited them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: NJ

Complaint narrative:
On my report is XXXX XXXX ... which is not my account. Never solicited them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax deleted XXXXXXXX XXXX XXXX XXXX and XXXX XXXX then they Reinserted the collections without notifying me within 5 days of reinsertion violation of 15 USC 1692 ( c ) 805 ( b ) communication with third parties. Debt collector must have your prior direct consent or a court order to communicate to anyone about a debt. This includes credit reporting agencies. Also use 15 USC 1692 ( k ) 809 ( a ) validation of debt. They MUST Validate all debts! If not permanently removed by equifax. I will seek litigation and file a lawsuit. Equifax will be charged with preventing furnish from reporting debt on credit profile. The courts would rule in my favor examples XXXX XXXX EQUIFAX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: CA

Complaint narrative:
I was a victim of ID Theft and there 's a lot of fraudulent items on my Equifax credit report. On XXXX XXXX, XXXX @ XXXX, I mailed Equifax : 1. Copy of credit report with fraudulent item 's highlighted. 
2. Copy of police report 3. ID Theft Letter to Equifax ( disputing fraudulent item 's ) 4.FTC affidavit 5. Copy of ID & SS card On Friday, XXXX XXXX, XXXX @ XXXX Equifax received my documents. I have attached USPS Delviery confirmation to this compliant for proof. ( TRACKING # : XXXX ) Equifax REFUSED to block all disputed fraudulent item 's. On XXXX XXXX, XXXX I received a letter from Equifax stating the item 's were VERIFIED. 

This is my final attempt to resolve this issue with Equifax before I start the LITIGATION process on Thursday, XXXX XXXX, XXXX in Federal Court,  seeking damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Debt was paid in bankruptcy which I filed in XXXX. I have spoken with the Clerk at the bankruptcy Court where I filed and she informed this debt was " Paid in full '' before the bankruptcy was dismissed in XXXX. I have informed Ally Financial of this and I have faxed the information showing " Paid in full '' to them which was provided to me by the bankruptcy Court.

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 2017-12-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NY

Complaint narrative:
On XXXX XXXX, 2017 a withdraw of {$700.00} was taken out my card from an ATM in another state. I called XXXX XXXX, and a woman by the name of XXXX took down my information she stopped the card and told me she will send a different card. XXXX was the one that told me where it was taken out of. XXXX was transferring me to level 2 to dispute the money, I was on hold for a few minutes the phone hangs up on her end. I try calling back and nothing its been hard. So now I do n't know what to do. I even called social security because the card was provided by them, but nothing all they told me was to call the card. That was my rent money and to buy groceries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
XXXX XXXX XXXX ( loan company ) and XXXX XXXX ( seller ) both claim the other has to change the due date, which is necessary because I continue to receive the my pay check by actual check on the day the loan as due. If the check comes in late, which it frequently does, the check does not clear until the next business day. 

The Loan company charges extra for payments on their website without bill pay XXXX XXXX, first claimed they could extend the due date every six months but not change the date. They claimed the seller could, the seller claims they could. I made this call on the XX/XX/XXXX. 

They extended it until this month and called before XXXX XXXX local today to complain that I had not made the payment. Now they will only extend it to XX/XX/XXXX. And after that they will do it only month by month. 

And continue to call before XXXX XXXX local

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 2017-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
To Whom it may concern, On XX/XX/XXXX, after submitting 2 years worth of documentation, we were delighted to receive a letter from Nationstar mortgage that my wife and I were approved for a trial modification. The letter stated that if we made 3 consecutive payments we on time, we would qualify for a permanent modification. We signed the agreement the following day and sent a check for the agreed upon payment. We made certain for the subsequent 2 months, we made the next two payments on time as agreed. I even wrote on all 3 checks that by depositing the checks, they are agreeing to the terms of the modification as well, just to be safe. 

We had not heard anything from Nationstar Mortgage or received documentation for the permanent modification. On XX/XX/XXXX after we complied with everything Nationstar requested including making 3 consecutive payments on time, they sent us a letter that said the funds were applied incorrectly. We tried calling several times to find out what this letter meant and they would not give us any information as to why they were not honoring their agreement that they had given me in writing. 

Shortly after, they sent me a check totaling 2 of the payments I sent. I called and asked why they only sent two payments back and kept one and they would not give me an answer. 

I then proceed to call XXXX XXXX of the firm XXXX XXXX, that was representing Nationstar and he was nasty and told me I never got a modification, even though I told them I received a letter from Nationstar. He told me to just rip it up because its invalid. 

I have been lied to, deceived, and mistreated. I have a document in writing that i complied with and Nationstar didnt honor. I want to put in a formal complaint with Nationstar Mortgage as well as XXXX XXXX. 

Thank you XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have made several payments ( XXXX - {$80.00}, XXXX - {$80.00} ) to Captial One and although it is reflected on my paper statements it is not reflected on online payment activity. When asked about the issue and concern that my payments where not being applied to my account, I was informed that payments made through my bank 's online bill pay system will not be reflected online. However, all other payments made through my bank 's online bill pay system where reflected under payment activity. 

My concern is that my payments are not being applied to my account and possible the statements are not accurate. Banking is no longer about what you send me on a paper statement, since paper statements can reflect whatever the person preparing the statement wishes. I almost solely bank electronically and need it to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Opened a checking account with Capital One specifically to fund purchase of crypto currency but effort to transfer money into my virtual wallet was blocked and denied by Capital One. I want to spend my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: TX

Complaint narrative:
Back in XXXX, I notified Experian, XXXX and XXXX of fraudulent activity on my credit report with XXXX XXXX XXXX multiple accounts fraudulently reporting and XXXX and XXXX XXXX hard inquiries fraudulently acquired without my permission. As of today, nothing has been done. I 've provided XXXX and Experian with requested info such as police report, identity theft affidavit, FTC identity theft report and more but XXXX, XXXX and Experian have not deleted inaccurate accounts and inquries off my credit report. XXXX XXXX XXXX accounts are not mine. Experian, XXXX, and XXXX has not complied after I have complied by provided proof those accounts are not mine or permanently deleting them off my report. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws.D

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 2017-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Hello : ditech.com is my mortgage company. They placed an automatic forbearance on my account and removed my auto payment after Hurricane Irma. I called about a week after the storm to ask that they remove the forbearance and return the auto payment. This was confirm by the agent and recorded by them. I received a letter just a few weeks ago stating that my auto payment was never returned and the agent who I spoke with after I received the letter actually read back the notes confirming that I called and asked to have forbearance removed and auto payment reinstated. So I asked again the agent to remove the forbearance and install auto payment. 

I called this past week to check if this was done yet, and the agent at that time said I still have a forbearance and no auto payment. 

As I right this complaint, I spoke with an agent today that informs me that I dont have auto payment and forbearance is still active. She placed me on hold, which has lasted an hour. 

Ditech is not responsive, and it is purposely choosing to keep my in forbearance when I have asked countless times to remove me. I also have asked countless times to reinstate auto payment and yet they choose not to listen. 

Please help XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF FINANCIAL CORPORATION
State: OH

Complaint narrative:
My mortgage is served by Chemical bank and after filing for bankruptcy the have begun reporting that my payments were not made even though they have been. I believe they are doing this to prevent me from rebuilding my credit even though I have not missed a mortage payment ever. I feel this is unfair and believe something should be done to stop this for me and everyone else.

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 2017-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I received a letter in the mail from Synchrony Bank stating that they have lowered my XXXX credit line to {$4300.00} from {$7000.00}. The balance owed on this credit card was {$4100.00}. I find it no coincidence that my credit line was lowered almost to exactly what I owe on the card. I have had this card since XXXX with a few late payments but overall no major problems. 

On XXXX XXXX, XXXX I received a letter in the mail from Synchrony Bank stating that they have lowered XXXX XXXX my credit line to {$100.00} from {$2600.00}. The balance owed on this card was {$0.00}. I have had this card since XXXX with a few late payments but overall no major problems. 

Upon checking my credit report I have also found that Synchrony Bank closed my account with XXXX XXXX XXXX. The balance owed on this card was {$0.00}. 

I have contacted the bank to find out why they are lowering and closing all of my accounts. They have stated a review of my account has resulted in lowered credit lines essentially due to bad credit. 

Two of those accounts I owed nothing on and I have made the majority of my payments on time - when I have not, I have paid the late fees they have in place. Synchrony bank is destroying my credit further by lowering credit lines and closing accounts. I would like to know why after XXXX + years they have suddenly decided they do not want me as a customer anymore. What prompted them to hurt my credit score further and tell me they are doing so because my credit is bad. That makes absolutely no sense. 

Obviously I am beyond angry as my wife and I are trying to build/repair credit in order to buy a home for our family in the near future. Please do not tell me my credit is bad and turn around and make it even worse. This seems beyond unethical especially since my accounts were all in good standing. 

I would like explanation for this and to have all of my accounts reinstated. As well as any damage done to my credit report reversed.

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 2017-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When trying to built credit you apply for a car loan. Each dealer you go to sends out inquirery to sends it to several credit agencies. The result = each credit reporting agency penalizes you 2 points for each inquiry. You now have a lesser score after trying to built your score. This tactic is working agains you. I had a XXXX and ended up without a loan and a XXXX score. This is hurting people from fixing their credit. End this practice. 
I now can not get any credit because of my credit score. So, how a my supposed to built credit when I can not get it to begin with? Its a catch 22. 
Also, every credit card company that gives you a credit score shows you a different credit score than the credit agency. Its not uniformed.

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 2017-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In XXXX my XXXX XXXX XXXX XXXX credit limit was reduced from {$5500.00} to {$2800.00}, after being with the company for so many years because they said I was not using my card enough. I had in XXXX a credit balance available of {$3200.00} to spend. In XXXX my statement came with a credit balance of {$540.00} available for use. This is unfair because it affects my credit score negatively, because now all of a sudden I have a very high balance with XXXX XXXX as well as affecting my purchasing power. now I am unable to make major purchases after years of reliance on XXXX XXXXXXXXXXXX XXXX promise. When I signed up for this card I was not told that this was their policy, and if it is, it should be forbidden because it negatively affects consumers who try to maintain a decent credit score in these very tough economic times. I have spent over the years more than {$10000.00} with XXXX XXXX XXXX XXXX, I never expected this!

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 2017-12-02 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:
Equifax refuses to delete XXXX XXXX XXXX XXXX. I have submitted my ID theft affidavit by certified mail back on XXXX XXXX and placed a fraud alert on my account. XXXX and XXXX have deleted the fraudulent collections. I am requesting that equifax deleted the fraudulent collections has I have not done business with these companies not have I applied for any accounts with these companies! Section 605B states that the Credit bureaus must delete and block the fraudulent accounts from reporting after receiving the proper documents. If not deleted within 4 days of receiving this complaint my attorney will be forced to file a lawsuit which would be in my favor as XXXX XXXX Equifax information services, LLC ( XXXX. ) XXXX. Equifax has violated the federal law and I am well aware of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: PA

Complaint narrative:
I have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXX-2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX- {$60.00}

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 2017-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I am filing this complaint on behalf of my clients. One of the owners has XXXX and XXXX and is very ill. The other spouse had to quit work so that she could tend to her spouses needs and they got behind on their payments and stopped making them. THey tried several times to find someone to refinance them but because of medical bills and loss of income it was impossible. They waited to long to put the home on the market because of the illness. Now they want to sell it so they can get the equity out and move on. The home is listed for sale, the owners have been foreclosed on and have a 6 month redemption period that ends on XXXX XXXX, XXXX. I faxed over the Third Party Authorizaiton and Payoff Letter on XXXX XXXX, I have been trying to reach a person/representative at Ditech since XXXX XXXX, XXXX and finally yesterday reached a representative on XXXX XXXX, XXXX. Their phone system would fail when I asked for a representative, calling several times per day. Every time I asked to talk to a representative it would transfer and I would get the message " you have reached an invalid number '', time after time. 

I asked to speak to a manager at Ditech and was transferred to XXXX XXXX XXXX, Ext XXXX. She said they did get my letter and Authorization letter and will be faxing me a letter in XXXX to 5 days. XXXX said that they could not give me a payoff because the loan was transitioning to XXXX XXXX. I told her there must be some mistake or I need to speak with another manager to get this payoff, she refused and told me there was no one else who could help me. I do know that my clients have a 6 month redemption period to redeem the property or pay off the loan. I need to get this payoff. XXXX XXXX told me to contact XXXX XXXX and gave me the phone number, so I did contact them. 

On XXXX XXXX, XXXX I called XXXX XXXX at XXXX and spoke with XXXX ID XXXX, I asked her if I could get the payoff for the loan and she said no, I would have to get the payoff from Ditech. Once the home gets to them it comes as a property and they do n't have any information on payoff. 

On XXXX XXXX XXXX I called XXXX XXXX at Ditech again and left her a message and let her know that XXXX XXXX does not give the payoff, that we have to get it from the lender Ditech. I am still waiting for XXXX to return my call. 

My clients have equity in the home and will be able to get there equity out so they can move on. I feel that Ditech is making it difficult and are playing games since it is a higher end home and there is equity there. Or I just have not spoken to the right person at Ditech and XXXX is to lazy to find out who I really need to speak to. 

We really need help with getting to the right person and getting the payoff.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation