vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
A collection showed on my account through XXXX XXXX. I tried on multiple occasions to make an online dispute with Trans Union. On all three occasions, 2 from the same computer and 1 from a different computer, I got all the way to the end of the dispute form but was not allowed to submit it. I checked their form up and down and had left nothing out, clicked or unchecked but still the 'Submit ' button would not activate nor submit the report when I clicked it. 
The collection action had lowered my score by nearly 30 points. I  have no idea who they are but have no intention of fighting with someone on the phone who will automatically assume I am a liar. In the past two years I have paid off all my credit cards and only have a consolidation loan through my credit union with any amount over {$100.00}. My score has gone from a mid-500 to XXXX until several days ago when this new company posted the same collection to my account prompting Trans Union to lower my score by nearly 50 points. 
I have tried to log into the account I was required to set up with Trans Union only to be told the password I am using is bad - so I change  the password and get kicked to a page which says, " XXXX you can not access your account at this time. Please contact your Security Administration or Help Desk. '' I get the same message when I try to log in from my home computer so it is nothing on my end.

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 2018-07-19 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I was a victim of the XXXX  inquires issue, as well as I have another problem. XXXX ran my credit way more times then was approved by me to do so, it was no approved by me to be ran that many times. 
The banks being XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX I want the inquires removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: MI

Complaint narrative:
on XX/XX/2018.iIwritten a debt validation letter to collection agency second round LP on a debt from XXXX XXXX they state their is a balance of {$800.00} the second debt they claimed i owe a balance of XXXX .i have not received any respond back after 30 days .i ask second round to remove the negative item off my report they send the debt off to another company.i also disputed the items with transunion .they have not given me any responds back either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: HW Holding, Inc
State: MI

Complaint narrative:
I was a victim of the XXXX inquires issue, as well as I have another problem. XXXX ran my credit way more times then was approved by me to do so, it was no approved by me to be ran that many times. 
The banks being XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I want the inquires removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: MI

Complaint narrative:
I was a victim of the XXXX inquires issue, as well as I have another problem. XXXX ran my credit way more times then was approved by me to do so, it was no approved by me to be ran that many times. 
The banks being XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I want the inquires removed

Company response to consumer: Untimely response
Consumer complaint received 2018-07-19 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
CITIZENS BANK the credit limit and account balances are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
Re Case # XXXX After speaking with a representative from the CFPB about the response I received from Cooling and Winter not addressing my main issue at this time, it was suggested that I send a new complaint, supply feedback and/contact an attorney. 
Since I had contacted an attorney and regarding this issue, and had been told that with the information provided I can't verify who owns the debt. C & W states that they are handling the account for XXXX, but I have yet to receive proof, only copies of statements mailed to me of who owns the debt from XXXX. I did receive a letter from C & W stating that they are basically working on behalf of XXXX, but did XXXX sell it or have another company handle it, then take it from them and gave it to C & W to be handled? I'm just simply wanting to verify because I have a letter from another debt agency asking for payment of this same debt and all they sent me as proof was the same statements. I was informed that Ga law specifies that there should be a Bill of assignment. Each assignment should show who had and released ownership to where it is now. I respectfully request competent evidence from C & W of who owns the debt, as required by Fair Debt Collection Practices, so that I can have proof should I need it in the future. Yes did speak with an attorney when I showed up for court, and we did discuss a hardship payment arrangement ( one that XXXX XXXX XXXXXXXX, which you state you are representing, would not agree upon while yet giving C & W the authority to do so under the same financial circumstances, yet they tout being loyal to their customers. They apparently would rather assign a company to process a lawsuit and give them permission to work out an arrangement, rather than work out a payment arrangement under the same financial circumstances. ) I need to know that when this is resolved, I have proof of the account being assigned to each company ending with C & W. If it is indeed the law, I just need those assignments for my records. If it is not the law please state this so I can confirm. 
Anyone in my same position, I would assume, if two companies are asking for the same thing and both are providing the same proof of ownership. One, C & W is suing while the other has not yet taken that step, who's to say that if an agreement is reached that the other company will not come in and do the same. 
I too want this resolved as expediently as possible. I appreciate that C & W stated that they want to cause no inconvenience, I just want to make sure that what was stated by the attorney I spoke with is resolved in a timely manner prior to the court date which is quickly approaching.

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 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA

Complaint narrative:
There had been a 3 month issue regarding an additional hazard insurance that was added without permission. It was removed but I was never given reason as to why it was added in the first place. Also, my payment has increased from {$760.00} to {$790.00}, even though my correct insurance only increased by {$8.00} for the YEAR. I am getting overcharged monthly. And I did not get answers about the reason the additional insurance was added before. I had to make a federal complaint before to get the additional incorrect insurance resolved before and now the company is not taking initiative to resolve this. I contacted the company on XX/XX/2018 and received the following response : " We have received your recent inquiry regarding your mortgage account. Please contact our insurance team directly at XXXX for further assistance.Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. '' The insurance issue was corrected, it was the payment that needed fixed. They bump me from one department to another.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
I was unemployed due to medical reasons in the past and my federal loan provider only offered Deferments and Forbearance 's. They only gave me the option for an Income driven plan after I ran out of Deferment 's and Forbearance 's. I FEEL like I was intentionally led to the wrong options at the time causing the interest on my loans to escalate to a ridiculous amount. The dates are from XX/XX/XXXX to XXXX. 
The amount is XXXX. No actions have been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Back in XX/XX/2018, two accounts through XXXX XXXX XXXX XXXX appeared in my credit report showing charge-off/delinquent. These accounts were previously removed from my report due to dispute. One of the accounts was removed from my equifax report but the other one still exists on there. The two accounts still remain on my TransUnion report. This error has caused me to be declined when trying to obtain new credit lines/accounts due to the affect it has on my credit.

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 2018-07-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XX/XX/2018 {$270.00} The charge was placed on my card without my authorization. I traded in a perfectly functioning XXXX XXXX for an upgrade to a XXXX  XXXX. XXXX is stating the phone was damaged and back charged me {$270.00}. This is not possible. I had [ aid for  insurance through XXXX. If the phone were damaged I would have used my insurance to have it repaired. XXXX not only stole my money for phone insurance but stole an additional {$270.00} for the trade in of the phone. I am filing a complaint with the CFPB. I have disputed this item multiple times. XXXX has offered to investigate and is unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I would like to have a bankruptcy remove off my credit. I have contact the federal courts about the bankruptcy which they sent me a letter stating that they do not provide information with reporting agency and the reporting agency has went through a third party XXXX XXXX to obtain information which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
We purchased a home in XX/XX/XXXX. Shortly after, our original mortgage company sold our mortgage to Dovenmuhle. Our first payment to Dovenmuhle was in XX/XX/XXXX. We have an escrow account with Dovenmuhle. Our property tax bills for XX/XX/XXXX were sent out in XX/XX/XXXX. XXXX county taxes were due XX/XX/XXXX and were paid by Dovenmuhle from our escrow account on XX/XX/XXXX. Our City of XXXX taxes were due XX/XX/XXXX. However, these were not paid until XX/XX/XXXX. An interest penalty for late payment was applied and I reached out via phone to Dovenmuhle on XX/XX/XXXX to inquire and understand what occurred. They gave me instructions on how to request a reimbursement and I sent that correspondence on XX/XX/XXXX requesting a reimbursement to our escrow account for {$94.00} ( the total amount ended up being {$94.00} of interest accrued, this can be confirmed with the XXXX County ( Georgia ) Tax Commissioner office ). 

Dovenmuhle 's response to my email inquiry requesting reimbursement into our escrow account included the following : " Please not that you will not be reimbursed for the penalty tax amounts as we did not disburse these funds from your escrow account as they should have been paid prior to the service transfer of your loan. '' How could my original mortgage company have paid a bill which did not exist until XX/XX/XXXX? That is 3 months after Dovenmuhle bought our mortgage from our original mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I would like to have a bankruptcy remove off my credit. I have contact the federal courts about the bankruptcy which they sent me a letter stating that they do not provide information with reporting agency and the reporting agency has went through a third party XXXX XXXX to obtain information which is incorrect.

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 2018-07-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like to have a bankruptcy remove off my credit. I have contact the federal courts about the bankruptcy which they sent me a letter stating that they do not provide information with reporting agency and the reporting agency has went through a third party XXXX XXXX to obtain information which is incorrect.

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 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On XX/XX/2018 I received a vmail from XXXX XXXX ... she left all types of information on my voicemail the voicemail was stated as " XXXX XXXX my name is XXXX XXXX compliance officer contacting you in reference to your pending case being filed. By Law I have to make you aware that once case XXXX is filed it will become a matter of public record and there is an order of location issued for you. Since I was unable to reach you by telephone. I was instructed to contact the employer and speak with the supervisor as it looks like this is now a place of location to bill your negligence on your end on this case. Now you do have the legal right to contact the filing party that is responsible for handling your case with any questions. However XXXX please be advised once the case is discharged from their office all rights are to be forfeited the phone number listed on your paperwork to contact their office with any questions is XXXX XXXX XXXX you have been legally notified by telephone and i will have you located unless I am told otherwise. Good Luck. '' You cant contact people like this and what if that wasnt my voicemail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 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: TX

Complaint narrative:
I recently disputed with Transunion the XXXX XXXX XXXX XXXX entry that was reflected on my credit report ( see attached credit report ) and their response was that the entry was verified. To that end, I disputed immediately with XXXX XXXX XXXX XXXX. The response from XXXX XXXX XXXX XXXX, that is the reporting agency for this account answered my dispute by indeed stating that they were informing all credit bureaus to delete the account from their records and that they were also closing the account with their agency and ceasing all collection activity. This account entry should be deleted immediately from my Transunion credit report. 

Upon deletion, Transunion needs to provide a full, current, copy of my credit report that reflects the deletion of this entry.

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 2018-07-19 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: VA

Complaint narrative:
I submitted a dispute for a {$120.00} medical collection that was paid by insurance in 2015. I provided proof of payment that I received from the creditor. The creditor informed me that they do not know why this is showing on my credit report as it was paid by insurance in 2015 and consider the matter closed. Equifax verified that the item was correct somehow. They could not have given that the creditor provided me proof and says that it is not something i owe. Equifax did NOT properly investigate this item, they did NOT contact the collection agency or creditor as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Yes I bought a 2018 XXXX XXXX XXXX weeks ago and decided to pay it off. I sent them a certified bank check for XXXX XXXX plus still have not applied my payment or reported it to credit bureaus or sent me my title. Didnt even apply my payment to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/2018 I received a vmail from XXXX XXXX ... she left all types of information on my voicemail the voicemail was stated as " XXXX XXXX my name is XXXX XXXX XXXX XXXX contacting you in reference to your pending case being filed. By Law I have to make you aware that once case XXXX is filed it will become a matter of public record and there is an order of location issued for you. Since I was unable to reach you by telephone. I was instructed to contact the employer and speak with the supervisor as it looks like this is now a place of location to bill your negligence on your end on this case. Now you do have the legal right to contact the filing party that is responsible for handling your case with any questions. However XXXX please be advised once the case is discharged from their office all rights are to be forfeited the phone number listed on your paperwork to contact their office with any questions is XXXX XXXX XXXX you have been legally notified by telephone and i will have you located unless I am told otherwise. Good Luck. '' You cant contact people like this and what if that wasnt my voicemail.

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 2018-07-19 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: The Outsource Group, Inc
State: TX

Complaint narrative:
In XX/XX/2018, I sent a letter to XXXX regarding the inaccurate entry they had apparently placed on my credit reports. My dispute was with the validity of the account entry as it was reflected on my credit reports. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary XXXX  responded with a letter dated XX/XX/2018 ( see attached ) stating they were providing the itemized statement. The statement presented lacks veracity ; it is merely printed/generated from a computer and does not provide the financial responsibility page, a copy of my signature with the alleged provider of service to release my alleged medical information to them, nor did they cease any reporting with the credit bureaus while this item was disputed or until the alleged debt had been verified by me. 

Further, XXXX did not provide a general ledger of the account or the complete accounting of the alleged debt. Lastly, they did not provide that they are able to collect debts in the state of Texas ; hence the reason I requested the name and address of the bonding agent for them in case legal action becomes necessary. 

I have never did any business with XXXX nor have I ever signed any contracts with them. This inaccurate, erroneous, unverifiable entry must be deleted immediately from my credit reports.

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