vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My husband and I are both in our 70s and we  refinanced our home in XX/XX/2016. We had deferred property tax payments, but used that loan to pay the balance with the County. Deferred, not delinquent. 

We again deferred property taxes on our new mortgage so as to mitigate monthly budget issues. 

Our payment history is perfect. 

Ditech mortgage paid {$8600.00} to XXXX County Tax Assessor on XX/XX/XXXX. They paid Deferred taxes, not Delinquent. 

XXXX XXXX of the XXXX County Tax Assessor can confirm. He is at XXXX, and XXXX. 

Ditech refused my XX/XX/XXXX Payment as they adjusted it from {$1100.00} to {$2400.00}. 

My husband has had more than ten XXXX in the past year and suffers from XXXX. I lost the use of one of my XXXX due to a XXXX XXXX procedure two years ago. 

This will literally kill us. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: FL

Complaint narrative:
I have disputed a closed account with XXXX through Equifax over 6 times. Every time their representatives put in their own description of my dispute. First to verify if it was my account, another to verify if the account was in a bankruptcy, and once again they sent another dispute checking late payments! So the company supposedly keeps responding- YES IT'S HER ACCOUNT, YES PAYMENTS WERE LATE, NO NOT IN BANKRUPTCY therefore the account stays in my credit report. What I have told them time and time again is that they are reporting fraudulent information causing me to be denied for a VA Mortgage Loan. I have contacted the company several times, the managers do not care and are disgustingly rude at XXXX. They reported I have refinanced or renewed this account when this is not true. I have never refinanced anything or renewed anything with XXXX! They are purposely doing this to ruin my credit. Equifax states they are simply getting the information from the company, so when I asked what proof or paperwork they have they say they have nothing. It is all electronic, they have NO PROOF. I have given them all the proof they need and they can see on my credit report how the status has changed throughout the years and every time I dispute the status is worst than the last time. Now I have to wait another 30-45 days for the company to respond? This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BB&T CORPORATION
State: LA

Complaint narrative:
BB & T linked my sister 's and my credit card, because my mother was on both accounts, my sister went and accidentally redeemed credit card rewards from my points, not realizing they were linked, and when we called the bank to straighten it out, apparently they had added my sister to my credit card ( no signatures, paperwork, or permissions were given for this to happen ) and I was removed as a party on MY credit card and replaced as an authorized user, while my sister was given control of my account. BB & T acknowledged confusion, but said I couldn't do anything to get myself on the account even though it was opened in my name, I get the statements and pay them every month, and even have the tangible credit card with my name on it. They said only my sister could or mother could access MY account, even when the account was not opened in her name, nor paperwork signed to authorize her to be a user on my account. I then went to close my credit card, checking, and savings account with the bank because I am FURIOUS, and I'm not even allowed to close it, I can just remove my name as an authorized user. They refuse to correct their mistake, and I've spent two hours on hold and talking to two different reps and two different supervisors and the only thing they will tell me is to just open a new account in my name ... even though I already have an account.

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 2018-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
This company continuously refuses to provide me proof of debt and refuses to provide their companies lawyers name. Ive requested proof of debt 3 times now and have yet to have this fraudulent account validated. I first spoke to a rep who I thought sounded like XXXX XXXX ( she refused to spell her name ) and she claimed she was going to mail proof- then the manager XXXX XXXX she transferred me to after once hanging up on me refused to mail it then continuously repeated every single question I asked but never answered it. She claimed she didnt have to mail me the proof which is not abiding by the FDCPA. Looking at other complaints I can see this is their pattern. They do not have any solid proof this fraudulent account is mine and they do not even have my information correctly. They do not have my social - they do not have any information this is my account, and they refuse to answer my disputes. I already disputed this debt 3 times and they never responded. She accused me of not knowing how to dispute an account even though I disputed it through the appropriate channels with all 3 major credit bureaus. The manager and representative were highly unprofessional, refused to provide any information, and I demand proof of debt or to have this account deleted. I have this all on recording and will be looking into further action if I do not receive what I asked for.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX reported that I was 30 days past for the month of XXXXXX/XX/XXXX to all three credit bureaus. I was not 30 days past due. I was past due but not 30 days. They also reported that I was 30 days past due for the month of XX/XX/XXXX, which I also, was not. I have attached my statements showing my payments were made within the reporting window and that extra payments were in fact made as well. They only reported that I was past due for XX/XX/XXXX to two of the three credit bureaus, XXXX and XXXX. They reported that I was on time for XXXX. 

Also, in XX/XX/XXXX they reported that I was 30 days late to XXXX. They reported that I was on time to XXXX for that same month. Again, I did pay past the due date however, I was not thirty days late. I have spoken with them on three different occasions and they refuse to correct this information. On one occasion I was advised that I was not 30 days late but that since my account was paid past the due date that it was within their rights to report that I was past thirty days. On another occasion the representative agreed with me but said there was nothing he could do but send me a print out of my payment history which I could provide to my mortgage lender, and on the last occasion I was advised that I had been late other months from the year prior and should just leave it alone.This is  impacting my credit unfairly and it is false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/18 XXXX called my Uncle to discuss my debit. Not sure how they got his phone number, but I never gave it to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 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: CA

Complaint narrative:
Navient and my XXXX XXXX loans, both offered me a forbearance right after college in XX/XX/XXXX, because I was having trouble finding a job. They never mentioned that their was another option with the federal government called the repayment plans. I found out 3 years later in XXXX by a friend about the repayment plans. By this time thousands of dollars of interest had been accumulated. I feel that if I would have known about these plans it would have been a much better option and would have saved me thousands in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: PA

Complaint narrative:
XXXX XXXX XXXX is threatening me. I contacted them they refue to show proof of how i got this on my credit its not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IN

Complaint narrative:
Hunter Warfield has stated that I owe an amount of XXXX for an apartment that was leased. I have reached out to them and disputed the charge several times. This charge is on my credit report and rental history. Hunter Warfield has sent me a copy of a lease however there is not 1 signature that verifies that I signed a lease. ANYONE could have generated a lease and filled it in with numbers but there is not one initial or signature from myself or my spouse. I am requesting this charge to be removed immediately. On my previous claim with CFPB, Hunter Warfield also sent a copy of the lease with no signatures. Please verify that I signed this lease or remove it from my rental history as eviction and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: TN

Complaint narrative:
In XXXX of 2017 my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, XXXX closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to XXXX in the amount of XXXX on XX/XX/XXXX. I called XXXX XXXX  almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. XXXX reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me XXXX was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX XXXX received a payment from GAP, XXXX then forwarded me two refund checks and sent a letter stating the account was paid off. In XXXX of XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called XXXX several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then XXXX reported negatively again.

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 2018-07-24 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: TN

Complaint narrative:
In XXXX of 2017 my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, XXXX closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to XXXX in the amount of XXXX on XX/XX/XXXX. I called XXXX XXXX almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. XXXX reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me XXXX was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX XXXX received a payment from GAP, XXXX then forwarded me two refund checks and sent a letter stating the account was paid off. In XXXX of XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called XXXX several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then XXXX reported negatively again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 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: TN

Complaint narrative:
In XX/XX/XXXX my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, XXXX closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to XXXX in the amount of XXXX on XX/XX/XXXX. I called XXXX finance almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. XXXX reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me XXXX was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX XXXX received a payment from GAP, XXXX then forwarded me two refund checks and sent a letter stating the account was paid off. In XX/XX/XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called XXXX several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then XXXX reported negatively again.

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 2018-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I had a legal name change and bankruptcy. I came back to attempt to reopen a new checking acvount with XXXX. They lied to me and said my account was still open and I would need to repay the owed money from my Chapter XXXX first. But couldn't officially ask for it back. They have cashed my checks for XXXX dollars so far with the loan account number that I've since verified with Transunion was closed with my bankruptcy. They refuse to speak with me and clearly KNOWINGLY DEFRAUDED this money from me with no intention of offering me a new account.

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 2018-07-24 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: PA

Complaint narrative:
XXXX XXXX XXXX is threatening me. I contacted them they refue to show proof of how i got this on my credit its not mines

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 2018-07-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX is threatening me. I contacted them they refue to show proof of how i got this on my credit its not mines

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 2018-07-24 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: PA

Complaint narrative:
XXXX XXXX threatened to ruin my credit if i dont pay i asked for proof. Its not mines they said contact the credit bureau. They dont report its the credit bureau fault

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 2018-07-24 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: MB FINANCIAL, INC.
State: NY

Complaint narrative:
I have spoken to mb on the phone for the pest 3 months I have been trying to resolve the late payment from credit bureaus being removed. 
I have been told over the phone from more then 1 employee that it will be removed from my credit report but it wasnt After trying for months I have been advised by legal advice to mail out the attached check See the dedails on the front memo and backs signature panel ( By depositing this check XXXX XXXX XXXX agrees to remove all late credit reporting from the 3 major Credit bureau

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 2018-07-24 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: PA

Complaint narrative:
XXXX XXXX threatened to ruin my credit if i dont pay i asked for proof. Its not mines they said contact the credit bureau. They dont report its the credit bureau fault

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX threatened to ruin my credit if i dont pay i asked for proof. Its not mines they said contact the credit bureau. They dont report its the credit bureau fault

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 2018-07-24 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: Professional Medical Management, Inc.
State: PA

Complaint narrative:
XXXX XXXX is fraud. Im an resident here in XXXX. How can i get this money. This is alot of money. I never had this loan I told them agian now they say its the credit bureau. They feel like im a fool. i spoke to someone they said I can get a ftc and file a suit against them, This is illegal

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Pd Ally Financial on XX/XX/2018 for the amount of {$1300.00} by XXXX XXXX. They have missed places {$400.00} of my payment. They are telling me it's under investigation. All my accounts are froze, I can't use online account or automated information for its says there is a problem with my account. I have dealt with this almost a month. To make a payment I need to call and speak to a representative.

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 2018-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
I have repeatedly asked in writing, for proof that I owe this debt to National Recovery Sys and each time I am not provided with proof in the form of a written agreement between National Recovery Sys and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: PA

Complaint narrative:
XXXX XXXX is fraud. Im an resident here in XXXX. How can i get this money. This is alot of money. I never had this loan I told them agian now they say its the credit bureau. They feel like im a fool. i spoke to someone they said I can get a ftc and file a suit against them, This is illegal

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