vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
this corrupt inept, scandelous company froze my credit w/out my permission, they have several XXXX, and XXXX XXXX XXXX complaints, i have called them several times and they never answer the phone, just tell you to leave a message which they never return, so right now they control my life and my credit by the freeze. i wa n't it taken off and this company fined. i have made complaints with XXXX, XXXX XXXX XXXX and atty general.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
In XX/XX/2019, we entered into an approved repayment plan with our home mortgage servicer US Bank HOme Mortgage with first payment beginning in XX/XX/2019 for {$5000.00}. We made this payment. We also made our XXXX repayment plan payment for {$310000.00}. The agreement with US Bank is uploaded with this complaint. 

Our loan with US Bank was transferred to a new servicer, XXXX XXXX XXXX on XX/XX/2019. XXXX XXXX XXXX did not honor our existing repayment agreement with US Bank when the loan transferred to XXXX because XXXX states it did not receive any documentation from US Bank indicating we were in a repayment plan with US Bank. Thus, XXXX placed our home loan in Active Foreclosure on XX/XX/2019 where it remains today because of US Bank 's negligence in transferring our agreement with them to the new servicer. XXXX 's attorney has sent us notice of the foreclosure. The letter from XXXX 's attorney is uploaded with this complaint. 

Now, we are not permitted to pay our scheduled repayment for the month of XXXX because XXXX views us as being in Active Foreclosure where it can not accept payments. 

When I called US Bank to prompt them to send XXXX our repayment agreement, US Bank representative XXXX stated that the reason US Bank can not send the repay agreement to XXXX is because US Bank marked our loan as having completed the repayment plan when it closed the loan out. She also said US Bank marked the loan " delinquent '' when they sent it over to XXXX. This is inaccurate. Our repayment plan was NOT completed. It was current and on going. And, our loan should not have been placed in ACTIVE foreclosure w/ XXXX if US Bank had transferred our documents appropriately. 

Because we are getting nowhere trying to motivate US Bank to procure the documentation in support of our repay agreement with them, we emailed the agreement to XXXX ourselves. Still nothing has changed. Our home is still being foreclosed upon simply because our loan servicers changed and documents were not included in the transfer.

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 2019-07-15 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: NC

Complaint narrative:
XXXX and Transunion are reporting incorrectly a collection from XXXX XXXX, XXXX for {$3100.00} partial account number XXXX. ( Please see page 33 of the attached credit report. ) Attached is a copy of the Receipt from XXXX XXXX XXXX , XXXX, showing a payment of {$1200.00} was received on XXXX. This payment reflects this account has been settled in full. I was assured that once I made this payment the reporting bureaus would delete these line items from my credit report. I have contacted the bureaus to fix this on my credit report, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.

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 2019-07-15 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: GA

Complaint narrative:
I have submitted my request to remove information on my credit report due to identity theft, but your company stated that such information doesn't appear in my credit. 
However it is still there, a copy of your response and a copy of my credit report is attached to this complaint. 
Please remove these items from my credit report intermediately.

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 2019-07-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I purchased a used vehicle in XX/XX/2018 and then proceeded to get a loan on it post purchase from XXXX XXXX XXXX XXXX. I bought the car in Texas and transported to Caliornia, titled, registered and insured it in CA with no issue as well. XXXX willingly loaned on the vehicle after their own due diligence. A year after originally buying the car when I went to renew my registration I was told that the car had been reported stolen in Texas and I needed to surrender the car to my local police station. After lots of back and forth with the police in Texas and California and several phone calls with XXXX, I turned in the car to the police and no longer have it in my possession. XXXX has demanded I continue to make payments on the loan for a vehicle I no longer possess. I can not afford to make 2 separate car payments and they are now reporting delinquencies on my credit report and my score has now plummeted. XXXX willingly loaned on a vehicle that wound up being stolen ( even though I had title in hand from alleged owner with Bill of Sale and registered it in CA with zero issues ) and they are now destroying my credit and demanding I pay off this 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 explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
Compliant # 4 : Same issue ( not posting payments when received and not posting payments in a timely manner ). 

Response to Ditech statement dated XX/XX/2019 -- XX/XX/2019 listed unpaid payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/2019 in the amount of {$5000.00}. 

False Info : XXXX payment ( Check # XXXX ), XXXX payment ( Check # XXXX ), and APR payment ( Check # XXXX ) were processed and cleared through the financial institution. 

The delinquency that exist presently was created when Ditech returned the XX/XX/2019 payment ( Check # XXXX ) and XX/XX/2019 payment ( Check # XXXX XXXX. The payments were received by Ditech via USPS Tracking # XXXX XXXX XXXX. 

Copy of attached letter post marked and mailed XXXX XXXX to Ditech and XXXX XXXX XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
On the most recent statement I received on my Southwest Rapid Rewards card, there is a XX/XX/2019 transaction in which I paid a landlord in Euro 's. I was charged an exchange rate of {$1.00}. On or about XX/XX/XXXX I checked to find the official exchange rate between Euros and Dollars. It was {$1.00}. That is a difference of {$0.00} for each dollar. That seems to me to be exorbitant. I inquired with Chase Bank and was unable to receive a satisfactory explanation for why such a discrepancy and who is getting the XXXX cents on each dollar and how is that expense justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: MI

Complaint narrative:
I have called Equifax several times to resolve this problem. I had collections from XXXX XXXX XXXX  ( XXXX XXXX ) I set up a payment and I paid the remaining amount on XX/XX/2019. They reported it to all the credit reporting agencies. The only one that is still showing I stillI have 3 collections on my report is Equifax. I opened a dispute and I am not getting anywhere with them. They just keep giving me the run around. Today they said the system was updating and I would have to call back in about an hour. Which I had already was on the phone over 30 minutes. This is effecting my credit score. They have worst customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: AR

Complaint narrative:
XXXX Called and spoke with " XXXX '' and " XXXX XXXX and neither one of the resolved my issue. I asked them who did they contact at the court house to verify the bankruptcy. They told me they do not have to provide me with verification of who the contacted and who they spoke with to verify my information. 

I have contacted the court house and also provided letters to the credit bureau and they have failed to verify my information. 

file # XXXX XXXX and Transunion have failed to provider proper documentation to give me as a resolution to my dispute.

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 2019-07-15 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: GA

Complaint narrative:
XX/XX/19 XXXX XXXX ran my credit 9 times without my consent. I gave them some information in order to get a rough estimate of what a monthly payment would be. I specifically requested that they not run my credit. However, they ran it 9 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Since I received this unsolicited credit card I have routinely paid off my balance each month and have never been charged interest. However, on several occasions the on-line payment system has failed to allow me to pay. The official reason is that it does not " recognize '' my computer or IP address. However, I have used the same computer and IP address for every payment. this has caused a lot of wasted time, distress, etc. 

Most recently, I tried to make a payment due on XX/XX/XXXX and could not do so. I kept getting error messages and finally made the payment around XXXX eastern standard time. I was told that because the payment was made 10 minutes after XXXX o'clock it was late and I would be charged interest. I was subsequently charged almost {$60.00} in interest that I should never have incurred. 

This is just one of several ways this company has breached its contract with me - in each case trying sneaky maneuvers to generate interest on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15 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: GA

Complaint narrative:
I have been fighting to fix my credit report, after someone used my identity from a security breach to open up accounts and get loans under my name. I have been battling with all the credit reporting companys to remove these accounts, and improper information on my credit report. I have credit inquires that are still being ran in my name, after I told each credit reporting company and sent proof of me being a victim of Identity theft, and sent a Identity theft report.

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 2019-07-15 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: GA

Complaint narrative:
I have submitted my request to remove information on my credit report due to identity theft, but your company stated that such information doesn't appear in my credit. 
However it is still there, a copy of your response and a copy of my credit report is attached to this complaint. 
Please remove these items from my credit report intermediately.

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 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have on my credit report old public record Bankruptcy : Discharged XXXX Filing Date XX/XX/2011 XX/XX/2011 Amount {$0.00} Reference Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Since I received this unsolicited credit credit card I have routinely paid my balance each month and never accrued interest, despite continued problems with the credit card applying my payments incorrectly. 

I responded to an offer to transfer almost {$1000.00} that would not be subject to interest or minimum payments and since that time the company has continued to try to find ways to get out of this agreement and get me to pay this off. 

Recently, ( for the fifth or sixth time ) I complained and they agreed to place the amount - around {$980.00} - back into the suspended/promotional balance. they failed to do so. 

Shortly thereafter, for the third time, they allowed several XXXX dollars in fraudulent charges on my card and I had to get a new card. In the process of fixing this problem and transferring the balance to my new card, they once again took the promotional balance and added it to the regular balance, increasing the " amount due '' by almost {$1000.00}. They have since charged me interest on this amount. 

I have had over a dozen conversations and filed written complaints that go unanswered. They have responded by punishing me and reducing my credit limit from {$14000.00} to below {$6000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian declined my credit at XXXX Bank because they would not release my credit freeze. I froze my credit with the 3 credit bureaus in 2018. I was able to release XXXX and XXXX   with one telephone call. I called Experian 5 times on Saturday XX/XX/XXXX and 4 times on Monday XXXX XXXX. I HAVE MY PIN ISSUED BY EXPERIAN WHEN I FROZE MY CREDIT ON XX/XX/2018 -- -I also went on Experians website to try to temporarily release my credit for 1 week so I could get the XXXX Bank credit card. 
There is not a person I can talk to.even though on Monday I called at XXXX in the afternoon, when they state it is their business hours. 

I have a good credit score and EXPERIAN IS JEOPARDIZING MY CREDIT BECAUSE OF THEIR ACTIONS.

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 2019-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: La Casa Bonita Investments
State: AZ

Complaint narrative:
I was contacted by 1file.org to consolidate my student loans and pay {$30.00} a month for 10 years and they would be all paid off. I was then contacted by XXXX XXXX ( US dept of education, ) that I was most likely scammed and that they have not been receiving payments for my loan by 1file.org.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Im reaching out to u hoping u can help me on XX/XX/XXXX th of this yr I was a victim of a scam, yes I made a mistake and yes I was naive I looked on XXXX XXXX for a dog I found one and contacted the seller, oh he played his role well and I fell for it hook line and sinker, the dog was XXXX he told me to go through XXXX to send the money and I did he said the puppy will be shipped and it was free shipping like I said I was naive and I thought everything was ok, well when he got the money I got a email from the dog delivery service that I needed to pay XXXX to ship the dog in a climate control crate I thought all my XXXX I have been scammed well u can probably figure the rest I couldnt get a hold of the ph no that came on my ph was XXXX Maryland I so need my money back if there is any way u can help me I will dearly appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
We continue to receive letters regarding an account that's not listed on our credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I contacted Nissan Motor Acceptance in regards to my lease and I reviewed the contract and the mileage was incorrect. They show the original mileage being XXXX miles. However, when I contracted the lease the mileage was way above that. I'm not sure what type of tactics there are using however, this could have cost me money at the end of my lease. I called and spoke to a representative and she reviewed title and it showed that the vehicle had well over XXXX miles. She stated that it could have been a typo however this could have been very expensive at the end of my lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have on my credit report old public record Bankruptcy : Discharged XXXX Filing Date XX/XX/2011 XX/XX/2011 Amount {$0.00} Reference Number 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 2019-07-15 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: AZ

Complaint narrative:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
i co signed a car loan for my son which ended up i. collections with kohn law firm they lied to us from the beginning so they could get their information they wanted my son to pay almost {$800.00} a month on the bill they wouldnt work with him. he called i think it was the end of XXXX to talk to them again about lowering the payment and he recorded the whole phone call they where rude to him then they went on to tell him he had to other accounts their that he was paying on and went on the tell him what they where and how much and they where my accounts and i wasnt on the call at all. its all on tape. then i called them back around the week of XX/XX/XXXX to make a complaint on what they did and they violate my rights they told me they would call back in couple days didnt hear anything so i call XX/XX/XXXX told me their lawyer wasnt in that they they would call me the next day i got a call XX/XX/XXXX from someone that worked there and was told that their lawyer was watching the account closely now and knows everything that went on and then asked me if i wanted to set up payment plan i told her they didnt even say sorry just that they are watching it closely nowi was connecting someone cause my rights are violated and they broke the law. the totally amount owed is {$9400.00} and we have the recording if you want

Company response to consumer: Closed with explanation