vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
I applied online for a installment loan i was contacted by this company Prosper Loans rep. named XXXX XXXX he asked me how much i was looking for and what purpose i told him i was looking for a XXXX XXXX dollar loan for two years he stated he could help me his company was one of the best so he paused then he told me that i could get the loan but he had to deposit some money in my account and i had to send it back by XXXX XXXX but not to him but some one else at first i was a little scared but he said dont worry you will have your money so igave him my account number and other info he sent XXXX dollars very fast so i ask why cant you send me the documents like that he said i will give you a name of the person to send it to and what state i sent the money back by my XXXX XXXX  app he stated you will get your loan in a couple of hours so he hung up he called me back in bout thirty minutes i asked him where is the loan he told me he would have to send more money before i could get the loan itold him that if he could send me that he could send the loan he sent more money to my account and i told him no! my problem is who are the people he wants me to send the money to and why XXXX XXXX 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 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX we had a temporary apartment in XXXX XXXX. I was there for XXXX and a month of XXXX XXXX. 

During the stay we set up a XXXX account for internet service. My wife made the call and the account was set up in her name. 

When we moved out in XX/XX/XXXX ( back to our home in XXXX XXXX, Ca ), we received instructions from XXXX where to return our equipment but did not receive a final bill. 

Unfortunately, we were not aware of an outstanding balance. With a short-term rental, we were required to pay upfront for services, so not receiving a final bill from XXXX did not set off any alarms. 

In early XXXX we received a notice from Diversified Consultants, we immediately called XXXX and paid the balance due of {$160.00}. Diversified Consultants posted on my wifes credit report on XX/XX/XXXX. 

Diversified will not remove this from the credit report and XXXX claims they can not help. 

We pay our bills and have perfect credit otherwise. Unfortunately, XXXX is a large company that has gotten away from personal interaction. And Diversified will not do anything to remove it from the credit report. 

We made an offer on a house that was accepted and were unaware of this on the credit report. This will cost us thousands of dollars in higher interest rates and a larger down payment to qualify for a conventional loan as opposed to a jumbo loan. 

XXXX had many ways to reach us by phone, email and home address. We left a forwarding address at the temporary apartment. We simply never received a bill. 

At this time XXXX claims they can not help. And that is in the rare occasion we reach someone there that knows what they are doing. 

Diversified refuses to remove the collection from the credit report. We paid the debt directly to XXXX as soon as we were aware of it and Diversified should never have been involved. 

Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX General Inquiries ( XXXX ) XXXX XXXX No contact info available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: EQUIFAX, INC.
State: WY

Complaint narrative:
Dear Equifax I need a credit report in English language. 

Do you already receive my XXXX form for FATCA identification? I have a problem with your representative to transfer information to head office of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
There were unauthorized charges on my account. I reported this information to Suntrust. Yet, they failed to investigate this information and update my account including putting my money back into my account. Ive called several times and was placed on hold. Nobody could give me any information on the fact that they investigated this claim. These charges left my account in the negative of over {$800.00}. I have a good account history and I shouldnt be held responsible for a mess that I didnt create. When I signed up for this account, I was informed that they had a FDIC insurance policy to cover these type of situations. However, they havent done anything in regards to my dispute. Im starting to think Im being racially profiled as if because Im XXXX XXXX that I dont 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 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I contacted XXXX  to cancel my monitoring services in XX/XX/2018. They did not cancel my service ( original creditor account # XXXX ) and continued to charge me for another month. At this point I cancelled my credit card. Even though I cancelled my card they continued to bill me for two more months and then charged me a cancellation fee, even though I was out of contract and had been using there service for 7 plus years. Now they have sent a collections agency after me claiming I owe them {$110.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase Sapphire Preferred Card is punishing me with an APR of 24.99 %. I called up and got unfriendly and nasty client reps who were not able to work with me on the APR. I have no bankruptcies, liens or foreclosures. Chase says there's nothing that can be done. You mean we can land a man on the moon, but you can't input a new APR? Hmm ... .Seems unacceptable to me. I will not stop making a fuss about this. Chase needs to lower my APR significantly. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: Total Card, Inc.
State: AL

Complaint narrative:
During spring/summer of XX/XX/XXXX, I was attempting to refinance my home. In an attempt to provide debt relief and get some of the items off of my back, my credit union helped me with a private loan to pay off credit card debt. On XX/XX/XXXX, I called XXXX XXXX and told them I needed the most recent statement to provide to my credit union so that they could cut a check paying the account out and I requested to have the account closed. While I was on the phone with them, I shredded that card plus a Total card managed by the same company and notified them I was doing so. In addition, I wrote them a letter also dated XX/XX/XXXX following up on the request I made via phone. I went to my credit union and a check was cut and mailed to XXXX XXXX dated XX/XX/XXXX for both this account and the other account I had with them. I subsequently received a letter from them telling me the account was closed however I'd incurred charges later in XXXX. I questioned them how I could possibly owe anything on a card that was closed and shredded on XX/XX/XXXX. They had no legitimate answer other than them not being made aware the account was being closed and it takes time for it to happen. I noted to them the card had been closed and shredded on XX/XX/XXXX. They sent me an affidavit asking me to file a police report and provide a bunch of other information. I did not see it necessary to file a police report and waste law enforcement 's time when the error is theirs. To date, they continue to send me statements and are reporting negative remarks to my credit report when they should not be doing so considering the check payment they received dated XX/XX/XXXX & the later card payment made via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
When obtaining and reviewing my XXXX  credit report I noticed an inquiry that I did not recognize nor initiate with Bank of America in XX/XX/2018. I initially contacted XXXX  and was advised to contact the company listed on my credit report.

I have since contacted Bank of America to get more information about this inquiry made to my personal credit report without my knowledge.

It was stated by Bank of America that the inquiry was made with a third party company. I have not authorized any such inquiry to my personal credit files.

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 2019-01-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the process of purchasing a home my credit report was pulled. To my surprise I had a late reported to my credit by XXXX XXXX for the month of XXXX. I obtained an XXXX loan with XXXX XXXX in XX/XX/XXXX. For over 40 months I have made payments on time within a 30day period. On XX/XX/XXXX I called in to make my regular payment OF {$1200.00} to XXXX XXXX, with 5 days remaining in the month. After speaking with their customer service and loan department, I was informed that there was nothing they could do to reverse the late that they reported on my credit. They confirmed that I did call in on XX/XX/XXXX but they out source the processing of their payments to a company called XXXX which post the payments within 2 business days from which they were made. In my situation they did not post until the 4th business day which was XX/XX/XXXX, causing me to have a 30 day late on my credit. This is definitely unfair trade practices. I had NO knowledge of their outsourcing and I should not have to suffer from a 30 day late when in fact the payment was made well within that time frame. I am in the process of purchasing a home and this has greatly affected my ability to qualify for a home loan.

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 2019-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally writing this letter of complaint to you in regard to Transunion Credit Bureau. 

Transunion has violated FCRA rules and consistently failed to delete several inaccurate, unverifiable, adverse and erroneous accounts that they posted on my credit report. These inaccurate accounts are as follows : ( account # XXXX  ) in the amount of {$570.00} and ( account # XXXX  ) in the amount of {$570.00} Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also will enclose the lettered copies of my communication. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and & Section 611 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a consumer credit report. Ill enclose the copies of several letters ( with certified mailed receipts ) that I sent to Transunion in request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the adverse the accounts they continue to post on my credit report. I have suffered extensive grief and emotional distress due to Transunions failure to accurately verify these accounts, resulting in my inability to obtain credit. I have also advised Transunion that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

In the absence of such documentation ( an original Consumer Contract ) bearing my signature, I formally request Transunion immediately delete the aforementioned derogatory accounts from my credit report associated under my Social Security number. I will litigate if this request is not honored.

Note : This CFPB complaint is solely directed to Transunion Credit Bureau. 

Thank you.

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 2019-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
On XX/XX/2019 I received a call from my Mortgage company ( Carrington Mortgage Services , LLC ) informing me that I was being charged late fees because they had not received my payment of {$1900.00} on the XXXX of the month, at which time I informed the representative that I was a retire XXXX  employee and that there was no way that I could make my payment on the XXXX of the month because I didn't receive my check until the XXXX of the month. I also informed them that even though the check was in the bank it had to be cleared by the bank and I had no control over the time it would take for the check to clear and when the money would be sent to them, at which time I was informed that the money had to be received no later than the XXXX of the month. On XX/XX/2019 I received my XX/XX/XXXX bill statement saying that I owned {$3900.00} not the {$1900.00} due to over due payments of {$2000.00}. I have not missed any payments documentation available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation
State: AR

Complaint narrative:
MY LENDER SWBC WAS REQUESTING FOR PROPERTY TAXES : I HAVE EXPLAINED MULTIPLE TIMES I AM TAX EXEMPT BECAUSE OF THE STATE THAT I LIVE IN BEING A VETERAN AND MY AGE THEY ARE AWARE OF THIS THEY ARE SERVICING MY LOAN I HAVE ALWAYS BEEN TAX EXEMPT. I ASKED TO CONTACT THEIR ESCROW DEPARTMENT AND THEY REFUSED. THEY STATED THEY WILL NOT REVIEW MY DOCUMENTS BECAUSE I DID NOT SUBMIT THE WRITTEN LETTER OF EXPLANATION OF MY TAX EXEMPTION BY XX/XX/2019 THEY CLAIM THEY RECEIVED ON XX/XX/19 AND THEY WILL NOT REVIEW IT.

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 2019-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My personal loan lender, Wells Fargo Bank, assessed a late fee charge of {$39.00} on XX/XX/2019. This fee was a direct result of a payment processing error created by a phone-banking representative. 

During my XX/XX/XXXX bill cycle I had attempted to have the Wells Fargo Loan Servicing Center process a telephone payment of the regularly scheduled amount but unfortunately it was applied to the wrong Wells Fargo account. I realized, and sought to have this corrected, about a week later with a phone call to the same center. During that very phone call, however, I requested the balance, LESS the current amount due, to be paid in full as I preferred to handle the outstanding issue of the misapplied payment myself to avoid any further complication. Another bill cycle passed and the payoff never took place. Since then, and on multiple occasions, Ive attempted to follow up with the same center about this issue but I have yet to receive any follow up service ( phone or written correspondence ). 

I have even visited the local bank branch to get some help with this issue as well as pay the loan balance in its entirety. But with it still not being resolved at the time of submitting this complaint I left a balance on the account in anticipation of this correction/reversal.

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 2019-01-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I purchased a vehicle from merchant XXXX of Downtown LA. I have not physically been on the premises since at least XX/XX/XXXX, and only to service the vehicle. 

On XX/XX/XXXX, a " hard inquiry '' on my credit was placed by this merchant without my authorization. Upon contacting the merchant, who gave me the run-around for 6 months, the best that they can tell me is that this inquiry was placed due to a " computer glitch. '' The merchant stopped taking my phone calls, so I had to physically go to the merchant 's location and angrily compel them into producing for me a letter admitting that I did not apply for credit there or authorize a credit inquiry into my account from that location at the time in question. 

I submitted the letter from the merchant to Equifax with my dispute of this " hard pull '' on my report. Equifax denied my dispute, and responded that I will need to have the merchant contact them directly. The problem is, the merchant does not care. I literally did nothing, the merchant took adverse actions against my ( with or without intent ), and now Equifax wants me to somehow force this same merchant who hurt me, to call them directly and help me. 

I explained to Equifax that the merchant has been unhelpful, and that it made no sense that their process allows me no possible way to remove improper inquiries from my credit report without the assistance of the merchant who made the improper inquiry in the first place. 

This is ... ..wrong. Please help. 

Please note that in the letter from the XXXX dealership which I've attached, they made a typo, stating " XX/XX/XXXX '' instead of " XX/XX/XXXX '' - the latter being the correct date. There was only one inquiry from this merchant around the time in question, so the mistake is clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, Someone attempted to apply for many different credit cards and loans. Which left me with 15 hard inquiries that negatively affected my credit score. I have sent letters to each credit agency as well as the 3 major credit bureaus and requested them to be removed. 
Here are the companies and dates and what they were for : 1. XXXX, Inquiry from XX/XX/XXXX, Personal Loans Cos 2. XXXX XXXX  XXXX, XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
3. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
4. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 5. XXXX XXXX, Inquiry from XX/XX/XXXX, XXXX 6. XXXX, Inquiry from XX/XX/XXXX, Bank 7. XXXX XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
8. XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
9. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
10. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 11.XXXX, Inquiry from XX/XX/XXXX, Bank 12 . XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
13.XXXX  XXXX, Inquiry from XX/XX/XXXX, Bank 14 . XXXX XXXX XXXX  XXXX, Inquiry from XX/XX/XXXX, All Banks 15. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft, Someone attempted to apply for many different credit cards and loans. Which left me with 15 hard inquiries that negatively affected my credit score. I have sent letters to each credit agency as well as the 3 major credit bureaus and requested them to be removed. 
Here are the companies and dates and what they were for : 1. XXXX, Inquiry from XX/XX/XXXX, Personal Loans Cos 2. XXXX XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
3. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
4. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 5. XXXX XXXX, Inquiry from XX/XX/XXXX, Finance XXXX. XXXX, Inquiry from XX/XX/XXXX, Bank 7. XXXX XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
8. XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
9. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
10. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 11.XXXX, Inquiry from XX/XX/XXXX, Bank 12 . XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
13.XXXX XXXX, Inquiry from XX/XX/XXXX, Bank 14 . XXXX XXXX XXXX  XXXX, Inquiry from XX/XX/XXXX, All Banks 15. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos.

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