vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have sent dispute letters to the credit bureau and the creditor : PORTFOLIO RECOVERY ASSOCIATES, LLC about inaccurate information on my credit report and I would like it deleted. They sent a letter back to me on XX/XX/2019 attempting to verify the account but information is still inaccurate and not my account. This was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: DISCOVER BANK
State: VA

Complaint narrative:
Discover closed my account for inactivity without notification despite the fact that it was in good standing for 24 years. This has caused my credit score to lower and is disrespectful to a long standing customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Our mortgage was sold to Select Portfolio Servicing and during the transition of the loan to them a type was made on my last name inputting a " XXXX '' instead of an " XXXX ''. My wife 's name is entered correctly. I have called the company multiple times and have been advised that the issue will be corrected on my next statement. The next statement comes and my last name is still spelled incorrectly. I have spoke to consultants and supervisors who have all viewed my loan documents and have confirmed the error on their end and guarantee it will be corrected. This causes me to receive a tax form every year due to the mis-spelling. All I want is someone to correct the spelling to what is reflected on my wife 's name and on my loan documents, it should not be this difficult and require multiple calls and it is still not corrected.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ascendium Education Group
State: WI

Complaint narrative:
I went to school from XX/XX/XXXX-XX/XX/XXXX, was injured at work and had to drop out. I was off work for a XXXX and went back to work in XX/XX/XXXX. They started garnishing my wages and took all of my refund money. I now have a descent paying job and they keep selling my loans to other companies and charging me 25 %. When I pay the 25 % off they sell it again. I borrowed around 50k and paid off at least 25k and still owe XXXX! The current owners of my student loans are XXXX XXXX XXXX , XXXX and XXXX XXXX , XXXX . Previous owners include XXXX XXXX and Ascendium. The only company whom I was able to get ahold of for my balance was XXXX XXXX XXXX. These companies are making it literally impossible to pay off student loans! When I am being garnished {$800.00} per month I cant afford an extra payment, not to mention when I try to call them, the put you through 5 different people and send you to a voicemail that never responded back! Please help! My credit score has already been destroyed and I cant even get a mortgage for a house!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: NJ

Complaint narrative:
On XX/XX/XXXX, I disputed hard inquiries on my Experian credit report ... and received a reply within 30 days stating that I would have to contact each creditor about the inquiries. So on XX/XX/XXXX I sent a certified letter to XXXX  XXXX XXXX to remove the unauthorized inquiry. I then filed a CFPB complaint against Experian and XXXX  XXXX XXXX on XX/XX/XXXX to ask why they will not investigate the accuracy of these inquiries. On XX/XX/XXXX Experian replied to my CFPB complaint file # XXXX, I was informed through Experian reply to contact the furnisher of the inquiry. Which I did. 

( XXXX  XXXX XXXX ) replied via mail after I provided my Social Security Number and a highlighted credit report to assist with identifying the problem that their company has verified this inquiry dated for ( XX/XX/XXXX ) with the credit bureaus as accurate. 

XXXX  XXXX XXXX did not provide any proof of CONSENT or letter in the form of any type of application for credit giving this company my approval to check my credit report. 

Importantly, Experian insisted I contact the furnisher or creditor to address this inquiry, and I have as you can see in the file uploaded of the letter from ( XXXX  XXXX XXXX ) giving me the run around back to Experian that also did not investigate initially to see that XXXX XXXX XXXX can provide proof of consent according to FCRA laws.

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 2019-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Hi I am XXXX XXXX, I co-signed for my friend to buy CAR from WESTLAKE FINANCIAL SERVICES on XX/XX/XXXX. But car got stolen on XX/XX/XXXX, and filed the police complaint on same day. The car is stolen, and same information is passed to WESTLAKE FINANCIAL SERVICES. If car is stolen, how we are responsible for the payment?? 
They keep on reducing the my credit score ( initially, it is XXXX ) without contacting me. I tried several times to contact them, but they are keep on holding the calls for several hours, but ultimately no is able to solve my problem. Vehicle got recovered by Insurance on first week of XX/XX/XXXX. Now issue is Insurance company handed the car to Title owner ( i.e..WESTLAKE FINANCIAL SERVICES ) and the car is with dealer. There is some negotiation going on between dealer and WESTLAKE FINANCIAL SERVICES. 
In the Meanwhile, my CREDIT SCORE is reduced to XXXX and surprisingly my creditcard limit is reduced from XXXX $ to XXXX . 
It is not fair at all. I am not the owner and car was stolen and no proper communication services from WESTLAKE FINANCIAL SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I am having an issue with my Citi bank account and their support staff has not been able to answer my questions satisfactorily. Citi has opened a second account for me without my knowledge and one account states that I owe {$2400.00} when I only made {$600.00} worth of purchases and paid my full balance from the previous month. Then there is another account stating I owe {$800.00} with no purchase information below the amount stated. When I contacted support about the issue they stated that they think it may be due to a Visa to Mastercard conversion and to ignore the {$2400.00} as though it is no big deal and that they will close the account ; however, what they did in not notifying me of this error is not right and still shows up as a balance for me to pay and could affect my credit score potentially. Then second, my credit payment is always due on the 3rd of every month so I pay accordingly to avoid any potential interest payments ; however, they continue to say I didn't pay the full amount by the date stated and roll over a few {$100.00} each time. I have photographic evidence to state what I mean and I want the issue resolved because it is costing me {$100.00} 's of dollars each month and it is putting me in more debt than I need to be than I am already in.

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 2019-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear CFPB, On XX/XX/XXXX I received a collection bill from XXXX XXXX XXXX, XXXX in the amount of {$280.00}. The alleged balance was for a credit card from XXXX XXXX XXXX  that has been removed from my credit reports because of failing to provide proof the account belonged to me. The account did not belong to me and XXXX XXXX did not provide any documents as proof as requested by the FCRA so the account was removed from all three credit bureaus on my credit report. When XXXX   XXXX  XXXX, XXXX sent me the collection bill within the 30 days time frame I replied with a request for validation as my right under the Fair Debt Collection Practices. XXXX XXXX  XXXX, XXXX did not send me such proof, and on XX/XX/XXXX ( almost 4 months later ) reported the alleged collection account to all three bureaus on my credit report. I have sent Letters to the three major credit bureaus as well requesting the account be validated, all they do is send me a notice back saying it was verified but no one seems to send proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have made many attempts to dispute the XXXX  account that is reporting on my Equifax profile. This account does not belong me. I have submitted an FTC form to Equifax and Creditor and this account has not be removed. Please assist me in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: TX

Complaint narrative:
**This is 2nd Complaint due to 1st complaint being unresponsive, closed** **Initial Complaint is #  XXXX ***********Original Complaint verbiage*********** " On XX/XX/2018 .... I mailed identical hand-written disputes to be filed and addressed within the 30-day allotted time frame with all 3 credit bureaus and have yet to receive any update, nor any revised report reflecting the changes. 

Consumer Rights according to the FCRA allow a 30 day review and if not timely responded, then the derogatory item disputed is removed from the consumer report. 
****************************************** ***********Feedback to TransUnion NonResponse*********** Transunion has the unscrupulous, unethical and volatile belief in contrast to its MANDATORY obligations under the Fair Credit Reporting Act ... Where it holds the position that a person MUST have a verifiable address to their liking? 

The problems with this belief system is the prima facie reasons for Congressional Action Regulating the industry. But for sake of argument, let 's detail them ... 
A ) Nothing in the FCRA mandates the requirment of verifiable address to have accurate credit reporting, if it did this would be GROSSLY discriminatory to XXXX/XXXX people. 

B ) Given that the argument fails on it face, the correct reporting is a mandatory obligation, fiduciary duty of TransUnion ... There argument only pertains to sharing of the corrected report with accurate information to an address they " might '' not be familiar with. Fine, Correct my Credit Report and send the Corrected copy to my last known address ... A Family Member will provide notification that I have mail, given I have been homeless for over 4years, live in motels travelling to what little work this XXXX economy provides.. 

C ) How does Transunion believe a person can secure a stable home address when unfair and inaccurate information on the credit reporting maintains his XXXX  state, XXXX XXXX XXXX XXXX and using a PO Box for mail?

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 2019-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
At the time I took out the vehicle, I had set up the entire lease to paid each month via Electronic Auto Pay. at the end the leasing company failed to deduct the payments and resulting in negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I deposited a check into my account on XX/XX/2019. The receipt that printed once the deposit was completed stated that {$200.00} of the check would be released on XX/XX/2019 and the remaining total would be available on XX/XX/2019. On XX/XX/2019 I checked my account to find that the {$200.00} that was released on XX/XX/XXXX was removed from my account, and the entire check amount was placed on an extended hold until XX/XX/2019. I called the customer service number at XXXX on XX/XX/XXXX to find out what happened, and was informed that the only person that could release the hold was the branch manager. I called my local branch where I deposited the check and spoke with XXXX XXXX, as she said the branch manager was out for the week. XXXX helped me submit documentation to prove the check was legitimate so they could release my funds - the documents included a picture of a check ( from the same company ) that was deposited and cleared through my XXXX XXXX  Account, and another picture of a check that was deposited and cleared through my XXXX Account. I also provided monthly statements to show that the checks never bounced. XXXX also called the company that cut the check and spoke with the accounting department in order to further prove the legitimacy of the check. On XX/XX/XXXX, I spoke to XXXX and she told me they were waiting on an answer from the fraud department. I called the customer service line again and spoke to XXXX in the claims department, and he told me that the only person that could remove the hold was the branch manager, which was not what XXXX had stated to me, as she said it was now in the hands of the fraud department. At this point, this bank account is overdrawn with 2 overdraft fees and I had bills scheduled out of my other account that posted and caused 3 overdraft fees because I did not have the money to transfer into that account to cover the previously scheduled transactions. As I was originally told the funds would clear on XX/XX/XXXX, I am now a hostage in that the bank is holding my check and not releasing my funds and they will not give me my check back so I can take it to a different bank. They have cost me {$170.00} in overdraft fees, and have made it so I can not buy food, gas, pay rent, or get my car back from the mechanic. On top of that they are giving me the run around and acting like there is no person I can speak to that can actually resolve this issue for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-25 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: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
Ford Motor Credit has continued to report fraudulent information on my credit reports. I have disputed this information several times and corrections were made. However Ford Motor credit continues to report fraudulent information over and over. The account has been closed and written off for many months. However Ford Motor Credit continues to increase the balance and even know there is no payments due Ford Motor Credit reports missed and late payments every month and increases the balance. I have a letter from an attorney who represents ford that tells me do not send payments to ford motor credit. So if the account is closed and charged off, written off and it shows no payment is due. How can Ford Motor Credit continuously report that my payment is late and how does the balance increase on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: NJ

Complaint narrative:
I have made many attempts to dispute the Inquiries that is reporting on my Credit File ( XXXX  and Transunion ). These inquiries was not authorized by me. These inquiries was a result of fraud. Please assist me in getting them removed from my Transunion and XXXX. 

XXXX  : XXXX XXXX ( 2 times ) and XXXX  Transunion : XXXX XXXX ( 2 times ), XXXX XXXX, XXXX ( 2 times ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 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 2019-01-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
In regards to CFPB Complaint # XXXX, I sent the customer service dispute dept a letter stating that if they continued their attempt to collect the {$110.00} charge for a fraudulent merchant, I would close my account with them. In response to that letter, BAC has sent me a letter dated XX/XX/2019 stating that my account had been closed. The letter states that I asked for it to be closed. The fact is that I only said that I would close my account depending on the resolution of the 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 2019-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Select Management Resources, LLC
State: PA

Complaint narrative:
I lost my job and needed to get some money to pay rent. I got a title loan from Ohio and they are very shady. I never should have done this. I am behind on the loan because I lost my job and am facing eviction. They REFUSE to give me their corporate office phone number!!! And are very vague about a possible threat of re-posession. Their manager said they could " cap '' the loan so when I pay the full amount, it would be settled, now they say " no ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have made many attempts to dispute the Inquiries that is reporting on my Credit File ( Equifax and XXXX  ). These inquiries was not authorized by me. These inquiries was a result of fraud. Please assist me in getting them removed from my XXXX  and Equifax.

Equifax : XXXX XXXX ( 2 times ) and XXXX  XXXX  : XXXX XXXX ( 2 times ), XXXX XXXX, XXXX ( 2 times ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
Rushmore Loan Management Services, LLC XXXX | Fax XXXX ATTENTION : Loss Mitigation The REPORT OF SALE AND AFFIDAVIT OF FAIRNESS OF SALE AND TRUTH OF REPORT, recording ( XXXX # XXXX ) filed by, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, XXXX XXXX, XXXX ( loan # XXXX ), as servicer for XXXX XXXX, XXXX, to ratify this Foreclosure Sale can not ( piggyback ) ride proceed on another on lenders filing. 

Rushmore is required to obey the Maryland Annotated Code, Article Real Property, Section 7-105.1 ( c ) and the FHA Loss Mitigation Options, Handbook 4000.1, Sections III.A.2.j ; III.2.I.i. ( A ) The Sale was not FAIRNESS OF SALE must be rescinded or, this is the ( perfect ) crime to the foreclosure process with no remedies to the borrower to avoid any endeavors of resistance of illegal foreclosure business practices/activities to forbid disavow my foreclosure Rights. 

I respectfully request that Rushmore " reaffirm '' agree to new contract term for a loan modification. 

If the request for a loan modification is not rebutted before ratification ( Circuit Court PGC, Case Number XXXX ) of the foreclosure date, it will be deemed as an act of collusion, conversion, and conspiracy to usurp the judicial process in the State of Maryland and the FHA Loss Mitigation Options guidelines. I will enforce my Rights against any and all Banks, Servicing Cos. and/or persons who violate my Rights willfully or out of ignorance of the Law. 

XXXX XXXX XXXX. : XXXX XXXX Agrees to Pay {$110.00} XXXX to Resolve Consumers Class Action Lawsuit About Unauthorized Accounts, will be employed to file class-action suits accordingly of all Parties, notwithstanding. 

Under Penalty of Perjury, I have examined the statement of facts presented in this letter and to the best of my knowledge, belief is true, correct and complete.

Company response to consumer: Closed with explanation