vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2017, I took my car to ( XXXX ) XXXX XXXX XXXX to service my car for family vacation. The repair was not done correctly and my family and I was stranded 11 hours away from home. I paid another repair shop where we were stranded to address the botched repair and filed a claim with my bank, ( BOA ) Bank of America, to get my funds back from the original repair shop. I sent the original documents pertaining to the repairS to Bank of America for their review of my claim via express mail with tracking. After repeated phone calls for over a month to follow the status of my claim, BOA claims they never received the documents from me and that they needed to be resubmitted for consideration. I then faxed the documents over and tracked my original documents, only to find out that they were received and lost by BOA. BOA then sided with XXXX and retrieved the credited funds from my account, placing it in the negative. BOA stated that I could not appeal because I was out of time and that I would have to resolve the financial matter on my own with XXXX. BOA would not allow me to close any of my accounts and they have taken approximately {$3800.00} from my accounts to recoup fees and the negative balance. BOA stated that if I could prove XXXX 's negligence via financial compensation, they would waive all fees and credit my account with the {$3800.00}. I retained a lawyer to deal with XXXX and they reimbursed me for the botched repair at the end of XX/XX/XXXX. I sent the letter attached with the check to BOA AND deposited the check in my BOA account as proof of XXXX 's negligence and BOA refuses to credit my funds to my accounts. I WANT MY MONEY!!!

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 2018-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Sent Certified Letter and no response from Portfolio Recovery. I have disputed this thru all three credit bureaus and they report the information is accurate. I have demanded that they send me documentation bearing my signature with a contract with Portfolio Recovery on two accounts they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 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: IL

Complaint narrative:
I have disputed these accounts from XXXX/XXXX several times on my credit report, it just says : disputed by consumer. 1. I wasn't even in the US when these accounts were opened. 2. I don't know what this company is, I have never heard of it and I certainly never opened any accounts with them. This is completely ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: IL

Complaint narrative:
I have disputed these accounts from XXXX/XXXX several times on my credit report, it just says : disputed by consumer. 1. I wasn't even in the US when these accounts were opened. 2. I don't know what this company is, I have never heard of it and I certainly never opened any accounts with them. This is completely ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC
State: TX

Complaint narrative:
There is a collection account showing up on my credit reports from Accelerated Financial Solutions in XXXX, VA. I have no contract nor account with this company, and they have failed to provide validation of the debt they're saying I owe. I would like validation of the debt or for the account to be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
I have sent numerous letters demanding documentation of the alleged debt and a contract bearing my signature with Ad Astra Recovery Services. I have disputed this with all three credit bureaus and they are reporting the information is correct but can supply me with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: FL

Complaint narrative:
I live in a house in XXXX XXXX XXXX, Florida, and have been here since XX/XX/XXXX. I always pay mortgage on time, even during XX/XX/XXXX-XX/XX/XXXX period when over half the houses on my block were empty due to the financial crisis. In XX/XX/XXXX after Hurricane Irma my small business and house took on financial as well as property damage and I learned about contacting my mortgage company for a 90 day forbearance to get myself caught up. I called XXXX XXXX, who is my mortgage company, and had several conversations with their representative, who explained there would be no late fees and penalties for 90 days at which time I would be responsible for the amounts due, they even told me to try to pay what I could every month so that there would not be large number due, which I did. I am completely even at this time but they have put a mark on my credit score saying I've been late. when I contacted them they said they have no record of my request but that it does show I called in XX/XX/XXXX ... they have no reason listed for my calls ... .maybe it was about the XXXX XXXX! I have since talked to other people who have the same experience with XXXX XXXX..AKA XXXX ... AKA XXXX XXXX XXXX , one of the largest bailout recipients. They're doing the name change shuffle. This forbearance is a federally funded program and I have a FHA loan. It's bad enough to go thru Hurricanes and loss of business, they should have told me they wouldn't honor this program and I would have borrowed funds from a friend or something else. Can you help or is this the way corporations are allowed to operate? Thank you for listening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I changed my home insurance company in XX/XX/2017 because they had raised my insurance premium significantly. My old company said they raised everyone 's premiums and it was not my fault ; nevertheless I found the new premium amount outrageous and contacted another insurance company and entered into a contract with them. The old insurance company had already been paid {$2000.00} by my mortgage company so when I switched I had to get the {$2000.00} back from my old insurance company and return it to my mortgage company ( Quicken Loans ). I called the escrow department at Quicken Loans and arranged over the phone to return the {$2000.00} back to them via my checking account information. I clearly told them it should be applied to the escrow account so that I did not encounter an escrow shortage. Nevertheless, the people at Quicken applied it to my loan instead of my escrow. I have called them repeatedly to tell them to apply it to my escrow account -- it was not my money! It was their money! Anyway, they verbally have told me that they have applied it to my escrow account but my online account still -- as of the middle of XX/XX/XXXX! -- states that my escrow account has a shortage. I asked for an off season escrow analysis and they said they would but they have completely ignored my request and have not remedied the situation and corrected my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I send in a response on XX/XX/2017 with no REPLY XXXX XXXX XXXX / SHELPOINT-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I checked my credit and found information thats not mines please remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There are 5 back-to-back hard inquiries on my credit report from Capital One Auto Finance from XX/XX/2017. I only authorized one of these inquiries. I don't understand why they pulled my report 4 additional times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
INformation on the credit report with XXXX XXXX XXXX and XXXX XXXX was removed and it appeared on my credit report. It has been over 30 days since I have filed a dispute and they state that the information is correct from the furnisher and when I contact the Creditors or debt collection agencies they state that they never disputed any information with Transunion, XXXX, and XXXX. 

I have asked Transunion, XXXX, and XXXX  whom they verified the information through and their statement are outside vendors and there are tons of those. I want to know which vendors they are using to get this information. 

When Notifying Transunion, XXXX, and XXXX. They will not let you dispute information again. This should be illegal for them to do so. I would like for all three CRA send me a most up to date credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I am a XXXX yr old, 3rd generation homeowner who is having her home stolen by fraudulent and wrongful foreclosure and have the paperwork to prove it if someone could please help XXXX  XXXX before my home is taken for good. These documents clearly show that Loancare, its attorneys XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX, are all involved in some manner in this fraud. Loancare and XXXX XXXX XXXX are caught by the lies that they have created. Attached is the real servicing letter I received on XX/XX/XXXX from XXXX to XXXX. The fabricated document created by Loancare ( dated XX/XX/XXXX ) is a lie that appeared on XX/XX/XXXX and exposes the fraud. This letter appeared on XX/XX/XXXX after Loancare fraudulently obtained standing and summary judgement. It appeared with the change of Loancare to XXXX and was created for the sole purpose of backing Loancare 's Lie that they had the original note XX/XX/XXXX. But their lie backfired and exposed them because a genuine true servicing letter would have been from XXXX to Loancare certified with a stamp from the U.S. Postal Service on that date of XX/XX/XXXX. This shows that Loancare and its attorneys lied about their backdated assignment, their fake copy of a Note ( that was never attached to the complaint and didn't appear until XX/XX/XXXX ) The new evidence I have presented to the trial court of the fabricated letter I received XX/XX/XXXX along with the XX/XX/XXXX recorded transcript of my conversation with XXXX ( the real and missing servicer ) stating that XXXX XXXX was the investor not Loancare should allow the courts to prevent my home from being fraudulently foreclosed upon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Finance
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  sent me a XXXX ( cancellation of debt ) post marked on XX/XX/XXXX. 

Per Federal Guidelines : These reports are due XX/XX/XXXX, for XXXX payroll taxes, including annual wage and tax reports, unemployment tax reports, and Form XXXX ( the quarterly payroll tax report ). 

XXXX forms and XXXX forms, to employees and non-employees. 

By XX/XX/XXXX, annual wage and tax reports must be given to employees and independent contractors who did work for you in XXXX. That's XXXX for employees and XXXX forms for contract workers and outside businesses you made payments to. If you aren't sure whether to send a XXXX to someone, check this article about who must receive a XXXX. 

While tax season doesn't begin until XX/XX/XXXX for personal tax returns, including small business tax filing on XXXX XXXX for small businesses, some people like to get an early start on tax preparation, so the sooner you can get these forms out, the better. 

XXXX Forms to SSA and XXXX forms to IRS Submit transmittal forms for XXXX to the Social Security Administration by XX/XX/XXXX. That's Form XXXX, along with all XXXX and Form XXXX, along with all XXXX forms. This deadline includes forms filed electronically. 
Submit transmittal forms for XXXX to the IRS by XX/XX/XXXX. 

A complaint has also been filed with the Ohio Attorney Generals Office, and Ohio Civil Service Office due to other illegal practices this company has committed. A separate complaint will be filed to the CFPB that describes the illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX  MUST REMOVE ALL SECURITY FREEZES FROM MY CONSUMER REPORTS. IT IS INDIANAS LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: IN

Complaint narrative:
XXXX MUST REMOVE ALL SECURITY FREEZES FROM MY CONSUMER REPORTS. IT IS INDIANAS LAW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recov Assoc, Promise to remove the collection off the credit if I paid the settlement, which I did and it's still shows on my credit years after.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have notified Experian Numerous times they are reporting inaccurate information on US BKpt Ct Al XXXX. They have verified to me that the information is correct and accurate. Well, when you call the Phone number they have on file is disconnected or no longer in service. I have called Experian numerous of times and also have sent certified letters On XX/XX/2018, demanding proof of information to be corrected. When I also called they say they have never received a certified letter from me in regards to this matter. It is a Credit Bureau Method Verification Letter. You will find attached a copy of this letter attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
INformation on the credit report with XXXX XXXX XXXX and XXXX XXXX was removed and it appeared on my credit report. It has been over 30 days since I have filed a dispute and they state that the information is correct from the furnisher and when I contact the Creditors or debt collection agencies they state that they never disputed any information with XXXX, Equifax, and XXXX. 

I have asked XXXX, Equifax, and XXXX whom they verified the information through and their statement are outside vendors and there are tons of those. I want to know which vendors they are using to get this information. 

When Notifying XXXX, Equifax, and XXXX. They will not let you dispute information again. This should be illegal for them to do so. I would like for all three CRA send me a most up to date credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: AL

Complaint narrative:
INformation on the credit report with XXXX XXXX XXXX and XXXX XXXX was removed and it appeared on my credit report. It has been over 30 days since I have filed a dispute and they state that the information is correct from the furnisher and when I contact the Creditors or debt collection agencies they state that they never disputed any information with XXXX, XXXX, and Experian. 

I have asked XXXX, XXXX, and Experian whom they verified the information through and their statement are outside vendors and there are tons of those. I want to know which vendors they are using to get this information. 

When Notifying XXXX, XXXX, and Experian. They will not let you dispute information again. This should be illegal for them to do so. I would like for all three CRA send me a most up to date credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: UT

Complaint narrative:
When I applied for my loan in XXXX of 2016, the Loan Officer that was taking my application filled out half of my application. Things went by vey quickly, and he was marking boxes, and putting in value of different assets himself. After about a year of making payments, the payment amount did not make sense when I calculated the original loan balance and the scheduled payments. It was not until I called the company and asked them why my payments were so high that I was told I had insurance on my loan. I did not approve of this insurance being added onto my loan. I have also asked for statements and amortization schedules on several occassions. I finally did get a payment summary, but never an amortization shedule at any time when I have requested it. I have also tried setting up my account online, but always get an error message. I also noticed on my payment summary there were a couple of payments where {$0.00} was added to my principal balance. Although my interest rate is high 35 %, there is some portion of my payments that should be going to principal. Furthermore, I did not give permission to put insurance on my loan, and again, my Loan Officer filled out half of my loan application. There is no way to get into your account online, and Mariner Finance does not send electronic statements or statements via mail. They never let you know what is going on with your account, and when you ask for information, they don't come through. They have absolutely refused to send me an amortization schedule. Again, I have asked several times, and have NEVER received one.

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