vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My loan was transferred to LoanCare from XXXX XXXX on XX/XX/2109. Payments were made to LoanCare using the XXXX account number that was applied to another account with LoanCare that had the same account number of another client at LoanCare for the XXXX and XXXX payments instead of my account. When I contacted LoanCare on XX/XX/19, they corrected their error on XX/XX/19. When LoanCare refunded the overpayments for XXXX and XXXX, the two misapplied payments, they made an error and deducted an additional payment causing the XXXX payment of {$1800.00} to also be deducted from my account. I contacted LoanCare to correct their error on XX/XX/19 and was informed the correction would be made and the {$1800.00} payment would be reversed and applied to my account in 3 to 7 days. As of today, the {$1800.00} payment for XXXX has not been applied to my account. I was informed someone would contact me once the correction was made. It still has not been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: MO

Complaint narrative:
On XX/XX/XXXX while going over my credit with our loan officer ( we are buying our first home ) a collection account with Plaza Service ( opened XX/XX/XXXX ) for XXXX for {$5200.00} and also listed as XXXX ( opened XX/XX/XXXX ) for {$3800.00}. I made contact on XX/XX/XXXX and neither Plaza Services or XXXX would communicate with me. XXXX saying the account number I gave them from my credit report does not match their records and Plaza Services saying that only using the email address associated with the account could they tell me anything ( which I do not have because the account was not opened by me )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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:
I BEEN A VICTIM OF IDENTITY THIEF. SOMEONE HAS GOTTEN HOLD TO MY INFORMATION AND HAS OPEN FRAUDULENT ACCOUNTS UNDER MY NAME I AM A XXXX  22 YEARS THAT DON'T UNDERSTAND WHY THIS IS HAPPENING TO ME PLEASE HELP ME RESOLVE THIS MATTER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THIEF SOMEONE HAS GOTTEN HOLD TO MY PERSONAL INFORMATION I AM XXXX AND I'M XXXX YEARS OD AGE I NO NOTHING ABOUT THIS FRAUD STUFF PLEASE HELP ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 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 is reporting a fraudulent account. I have disputed this account for identity theft. XXXX used my personal information to formulate a fraudulent debt. I have no current relationship with XXXX. FTC outlines identity theft as when a person or business uses your information for illegal purposes. I have requested NUMEROUS investigations on this account and I have not received ANY documentation from the credit bureaus in regards to this fraudulent debt. According to the FCRA laws, a consumer ( me ) has the right to request how the debt was validated with the credit bureaus. XXXX deleted the account and Equifax has yet to follow suit, however are governed by the same laws. 
XXXX is paying Equifax good money in exchange to reporting inaccurate fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: NY

Complaint narrative:
Upon checking XXXX XXXX  last month I noticed that my score had gone down because XXXX  card  was reported as off my report. I disputed this information because my XXXX XXXX credit card should have not been removed off my credit reports. Today I received notice that my score dropped almost 42 points because my balance increased on the XXXXXXXX XXXX card to {$2000.00}. This is completely incorrect. The XXXX XXXX card does have an approx balance of a little over {$2000.00} the account is current and never paid late. I was told transunion reported this. I am submitting this complaint because they took the card off my report then put it back but put it back as a new debt. This is messing up my score. The balance did NOT increase if anything it has been decreasing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: CA

Complaint narrative:
Trans union and XXXX  do not do real investigations. They will submit it and take the collection agencies side. I have done multiple disputes to even get actual account info and it seems all they have to do is see a name on a bill and take that for face value. I am sick of these agencies not doing real investigations into disputes. For instance one agency XXXX  removed XXXX and XXXX collection and the other ( trans union and XXXX  ) said it was valid within a couple days. No investigation happen this is destroying peoples lives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX I opened up my first credit card with Capital One. 

Due to it being my first and being XXXX, it was a high-interest rate and {$500.00} credit limit. 

I attempted several times over the years to increase my limit or decrease my interest rate to reflect my increasing credit history and credit score. 

Three years ago I was told that it was a special type of card where neither of those two options would ever be available. Because it's a low credit limit, I was worried about utilizing it and exceeding my 30 % recommended utilization. I was advised by the credit card company that the best way to utilize this card was to never close it because it was my oldest and was at least benefiting my overall credit score that way. I was never warned to maintain activity on it. 

On XX/XX/XXXX I was advised that my card was suspended and being closed in XX/XX/XXXX due to inactivity. 

This is my oldest card ( I have been a " valued member '' with immaculate history with the company since XXXX ) and it will significantly impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a few inaccurate items on my credit report, my name is XXXX XXXX. XXXX please remove/delete any variations of my name. I live at XXXX XXXX XXXX XXXX OH XXXX please remove/delete the following addresses they are not accurate:XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: CA

Complaint narrative:
XXXX XXXX and Equifax do not do real investigations. They will submit it and take the collection agencies side. I have done multiple disputes to even get actual account info and it seems all they have to do is see a name on a bill and take that for face value. I am sick of these agencies not doing real investigations into disputes. For instance one agency XXXX removed XXXX XXXX XXXX XXXX and the other ( XXXX XXXX and Equifax ) said it was valid within a couple days. No investigation happen this is destroying peoples lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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:
XXXX XXXX and XXXX do not do real investigations. They will submit it and take the collection agencies side. I have done multiple disputes to even get actual account info and it seems all they have to do is see a name on a bill and take that for face value. I am sick of these agencies not doing real investigations into disputes. For instance one agency experian removed XXXX XXXX  XXXX XXXX  and the other ( XXXX XXXX and XXXX ) said it was valid within a couple days. No investigation happen this is destroying peoples lives.

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 2019-06-29 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: NY

Complaint narrative:
Upon checking XXXX XXXX last month I noticed that my score had gone down because XXXX card was reported as off my report. I disputed this information because my XXXX XXXX credit card should have not been removed off my credit reports. Today I received notice that my score dropped almost 42 points because my balance increased on the XXXX XXXX card to {$2000.00}. This is completely incorrect. The XXXX XXXX card does have an approx balance of a little over {$2000.00} the account is current and never paid late. I was told XXXX reported this. I am submitting this complaint because they took the card off my report then put it back but put it back as a new debt. This is messing up my score. The balance did NOT increase if anything it has been decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: MO

Complaint narrative:
I'm about ready to file suit on the major credit reporting agency Experian, not sure which is worse having your identity stolen or the credit reporting agencies constantly reporting unverified accounts inwhich they are only doing electronic Verification inwhich is not physical documented proof of any sort. But at the same time reports these untruths. This has caused me so much stress and anxiety. All because I been a victim of the dark web due to identity theft. These fraudulent accounts has caused alot of pain and I'm Demanding the credit reporting agency Experian to BLOCK the following accounts from my credit file immediately. ( 1 ) XXXX XXXX XXXX {$1000.00}, and ( 2 ) XXXX XXXX XXXX, I have on many occasions requested physical documentation for these said accounts, I've also asked for the Method of investigation inwhich these investigations was conducted, who and when was they investigated, etc, any certified physical documentation. Not acknowledging this goes against my consumer rights, the FCRA and FTC laws. The embarrassment of not having my true credit worthiness is also causing me great harm and set backs. I'm demanding that the credit reporting agency Experian, block the following accounts. ( 1 ) XXXX XXXX XXXX {$1000.00}, ( 2 ) XXXX XXXX XXXX, 2 accounts inwhich has been reinserted all without physical documentation nor the 5 day warning. Therefore you shall block, delete and remove these accounts indefinitely.

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 2019-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has been harassing me with over 15 emails with in a 3 hour period/calls- I spoke with them and negotiated a interest rate repayment plan- they took over 300 $ from me on XXXX XXXX. This apparently will not be reflected on my account for over a 3 pay period which is exactly why they have a lawsuit. They have not reflected my account that I am current which is EFFECTING my CREDIT REPORT- I have spoke with a representative XXXX who Both Times- I have screen shots of the amount of emails and records myself of payments made and when and confirmations of getting account to up to date and I know Navient records there conversations as well- I have had this account t since XX/XX/XXXX, XXXX I have been harassed by student loans more then half my life- Im tired of this-

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I had car insurance with this company in the past. However, after several months paying monthly bills, they decided to stop my insurance because license plate belong to other state on 1 of 3 vehicles in policy. Ive called them to make some kind of arrangements but they were not helpful and decided to cancel policy. I made a decision to insured my vehicles with another company. This is why i dont agrre with them charging this amount when it was them who canceled with no alternative given.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I applied for a credit card at XXXX clothing store several years ago and never received any follow up information about it so since that time Ive just assumed that I was never approved at XXXX. Ive recently checked my credit score and saw that I do have an active XXXX credit card of which I dont know any information on because I didnt know I had one. Ive called XXXX to try and get that card canceled and they say that I dont have one. Im not understanding why it would show on my credit score as an active credit card with a {$250.00} limit that I own when I dont have one and the company says I dont have one. It is hindering my credit though to have an open credit card that Im not using and I would like for it to be removed. How can i do this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP
State: PA

Complaint narrative:
Key CONTINUES to play us as fools. Latest response letter admits MULTIPLE mistakes just in handling a factually correct response to this Complaint! Now they pretend we dont know why they continue to misstate what the negative financial ramifications are to us due to their mishandling. 

They have NOT disputed that we asked for and were denied our fixed rate option in XX/XX/XXXX. We were sent out to refinance instead of the in-house FIXED RATE REFINANCE. 

From XX/XX/XXXX until XX/XX/XXXX, we made made payments based on the adjustable rate totaling {$12000.00}. We are now paying over the course of 180 months x {$460.00} = {$83000.00}. Added together, we will pay a total of ( +/- ) {$95000.00} HAD THEY DONE WHAT WAS REQUIRED, YES the MONTHLY payment would have been higher as the balance was higher, but we would have paid THOUSANDS less. At at a fixed rate starting with the balance in XXXX XXXX payment would have been ( +/- ) {$510.00} x180 months for a total of XXXX ( +/- ) The difference is in the thousands - not the XXXX bucks theynused as a bandaid thinking we would not know what they are doing. 

{$12000.00} from XX/XX/XXXX - XX/XX/XXXX PLUS 180 x {$460.00} = {$83000.00} from XX/XX/XXXX - XXXX/XXXX XXXX +  {$83000.00} = {$95000.00} Had they done the fixed rate as we REQUESTED we would have paid far less. 
We are still OWED MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I apply for the credit card but I went out of town in it show that I got a credit card in I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have a lawyer the company is Mr. Cooper/Nationstar Mortgage and they sold my loan back and forth then sold my house without proper paperwork. Like many people in 5 other states I follow the same pattern to a tee. Why? How? When will this stop? Why am I going through this in Texas if California Oregon New York and other states won class action suits w the same pattern? Why??? I have a handicap first floor just for my disabled father ( who was in the reserves ) my husband, a veteran fought in 2 wars, XXXX year old XXXX high school at XXXX with hopefully an associates, and Im a XXXX XXXX .... broken hearted over this injustice and paying lawyers fees to defend me against these well known unethical mortgage companies from a different nation. They Obviously do not care about our nations laws nor do they wish to abide by them from the trajectory of their court cases. Please help me ... 
( XXXX ) XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
EQUIFAX STATED ON XX/XX/XXXX THEY SENT MY FREE CREDIT REPORT THAT I HAD REQUESTED. 
IT IS XX/XX/XXXX AND I HAVEN'T GOTTEN ANYTHING BY EMAIL OR REGULAR MAIL FROM THEM YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We were purchasing a television at Best Buy. I made it very clear that I would take the 24 month financing option if and only if it was an asset backed loan and not just credit card financing. We even talked specifically about how more credit cards would not help to diversify credit, but a different type of loan ( e.g. unsecured line of credit, mortgage, car lan etc ) would. 

Best Buy assured me that it was an asset backed loan, but that I had to open a credit card to get the financing. 

What actually happened is they simply opened a credit card with 0 % interest for 24 months with no additional steps. It was an outright lie to get me to buy their product.

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