vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-13 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
A fraudulent charge was made to my credit card in the amount of XXXX XX/XX/XXXX which was reported and I was told that the charge did not go through and that a new card will be mailed to me. I did receive my new card and everything was fine until my XX/XX/XXXX statement with a XXXX charge. I did call the XXXX number, customer service and explained the situation and was told that it would be taken care of. I did receive my statement for XX/XX/XXXX with the same charge with fees and interest, another call to customer service only to be told that the matter would be looked into and I would be called back. I never received a call. On XX/XX/XXXX I did cancel that card. I have been trying to get this taken care of for 5 months, a charge that was fraudulent, and not to mention over a year later being billed for this. I am now getting collection calls and I feel my credit is in danger. I just received my XXXX statement with a balance of XXXX which is not even the fraudulent amount so I not sure how they got this number. I have yet to get this matter taken care of. I did mail a letter to dispute this amount. I am attaching a copy of that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
The consumer report lists a " developed name '' / '' former name '' ( XXXX XXXX XXXX ) for me that is not, nor has it ever been my name. " XXXX '' is my husband 's last name but I have never used it ever for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Bureau Name : SW CRDT SYS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Original Lender : XXXX Date Reported XX/XX/2018 Age of Account 2 year 4 months Balance {$340.00} I have never had any utility, cable or internet source of any kind with XXXX in the past, I currently am an authorized user on my husbands XXXX account in which is current and up to date, I am not sure what this account is, but Southwest Credit Systems refuses to work with me on removing this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: CA

Complaint narrative:
Mortgage loan payment of {$1800.00}. Loan was transferred from XXXX where it had been originated in XXXX. The loan was recently sold ( in XXXX ) to Provident Funding. I had no history of late payments at XXXX and I did not seek out a sale of my loan to Provident. I made my XXXX payment online at the Provident website a little over the XXXX pst cutoff time because I was traveling and didnt have log in information for their website handy. I had previously made my payments to XXXX directly thru XXXX. Because of the XXXX XXXX holiday this pay, ent did not post till the following Tuesday ( payment was made Friday ). I have asked Provident to remove the late payment fee of {$90.00}. I have subsequently made my XXXX payment but have not paid the late fee in hopes of getting this situatuion resolved. 

Provident Funding Loan number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: AL

Complaint narrative:
After several returns, I informed XXXX Credit Card that my statement was not reflecting the credit returns for the items I have returned. They refused to investigate and look into the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal, allowed 5 different companies over three months ( plus but I only have documentation of these ) to charge me twice for goods or services totaling XXXX and when I called to ask them to locate and refund my money they put me on hold for 2 hours. They also allowed companies to send me damaged goods and keep my money, so much for their consumer protection, which is a lie so its fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: GA

Complaint narrative:
Disputed incorrect information through three credit reporting agencies and creditor, XXXX continuously reported back more incorrect dates and balances on a charged off account. Date of first delinquency was in XXXX. XXXX is reporting this now as if this was charged off in XXXX, XXXX, XXXX. In some places reporting payment history which did not occur or reporting continuous billing of interest charges on a charged off account. 

THIS CHARGED OFF COLLECTION ACCOUNT WAS INCLUDED IN MY DEBTOR LIST AND LIST OF DEBTS DURING FILING IN XX/XX/XXXX OF BANKRUPTCY WHICH WAS DISCHARGED IN COURT IN XX/XX/XXXX XXXX keeps violating FCRA policy by misreporting and advancing dates intentionally re-aging this debt and extending the time reported negatively on credit file. 

In addition, this item was a private loan, charged off collection account. Not a federal student loan. I was able to work out terms on my federa loans but no options were available on the private loan that has bounced from collector to collector incurring {$40000.00} in interest charges. I can not get XXXX to verify the date of first delinquency which occurred in XXXX. They keep reporting different dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: GA

Complaint narrative:
Disputed incorrect information through three credit reporting agencies and creditor, XXXX continuously reported back more incorrect dates and balances on a charged off account. Date of first delinquency was in XXXX. XXXX is reporting this now as if this was charged off in XXXX, XXXX, XXXX. In some places reporting payment history which did not occur or reporting continuous billing of interest charges on a charged off account. 

THIS CHARGED OFF COLLECTION ACCOUNT WAS INCLUDED IN MY DEBTOR LIST AND LIST OF DEBTS DURING FILING IN XX/XX/XXXX OF BANKRUPTCY WHICH WAS DISCHARGED IN COURT IN XX/XX/XXXX XXXX keeps violating FCRA policy by misreporting and advancing dates intentionally re-aging this debt and extending the time reported negatively on credit file. 

In addition, this item was a private loan, charged off collection account. Not a federal student loan. I was able to work out terms on my federa loans but no options were available on the private loan that has bounced from collector to collector incurring {$40000.00} in interest charges. I can not get XXXX to verify the date of first delinquency which occurred in XXXX. They keep reporting different dates.

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 2018-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
XXXX sold my loan to Fay Servicing. I pay through online banking. Apparently the property taxes caused my mortgage payment to increase which I was unaware of. The loan was taken over in XXXX by Fay Servicing. I discovered the error later in XXXX. I asked Fay what needed to be done to fix the problem and they refused to fix it. I made a payment each month from XXXX through current month. I spoke with an agent in XXXX but they agent falsely assured me things would be okay. Fay Servicing encouraged me to file mitigation but all they are doing is requesting more and more paperwork and refused to work to fix the loan. They are only interested in getting the property and making money. I have made several attempts to resolve the problem. I asked how much I needed to pay to bring account current, etc. and no information is given. They also refused to respond to me in writing. They will only contact me via phone or pre-made collection letters that are sent to all parties. This company preys on the consumer and has not interest in helping those that are truly interested in fixing the problem. This company also sent out letter stating that they sell my personal information to anyone they so chose without my express permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1. Never authorized credit report usage 2. Don't recognized 3. Not associated with an open authorized account Inquiry details XXXX XXXX from XX/XX/2018 2018

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 2018-03-14 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: CA

Complaint narrative:
Last year I paid my debts. I started inXX/XX/XXXX. The first 2 were XXXX XXXX and XXXX. Since that date both were paid in full. XXXX XXXX   account number is XXXX. It was sold to XXXX XXXX XXXX. Their phone number is XXXX. It should say paid in full. It could be moved to the collections file as paid in full. I will include statements from all the accounts that need to be corrected. The next account is XXXX, account number is XXXX. This account was sold to XXXX XXXX XXXX. Their number is XXXX. It was paid in full also. On my credit report there are 2 accounts that are both the same. That is the XXXX and portfolio. 
The XXXX account number is XXXX it was paid in full on XX/XX/XXXX. I have also included a statement from XXXX stating that the account has been paid in full. 
The last account is XXXX XXXX XXXX account number is XXXX. It was paid in full on XX/XX/XXXX. I am including a copy of the paper that XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last year I paid my debts. I started in XX/XX/XXXX. The first 2 were XXXX XXXX  and XXXX. Since that date both were paid in full. XXXX XXXX   account number is XXXX. It was sold to XXXX XXXX XXXX. Their phone number is XXXX. It should say paid in full. It could be moved to the collections file as paid in full. I will include statements from all the accounts that need to be corrected. The next account is XXXX, account number is XXXX. This account was sold to XXXX XXXX XXXX. Their number is XXXX. It was paid in full also. On my credit report there are 2 accounts that are both the same. That is the XXXX and portfolio. 
The XXXX account number is XXXX it was paid in full on XX/XX/XXXX. I have also included a statement from XXXX stating that the account has been paid in full. 
The last account is XXXX XXXX XXXX account number is XXXX. It was paid in full on XX/XX/XXXX. I am including a copy of the paper that 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 non-monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
I was late on my loan and was 30 days late 1 time and because they couldn't contact me on the phone they defaulted my loan to an attorneys office..The problem I have with that is I paid off my account once and renewed this loan and always have made my payments ... ..I tried to make a payment to bring this account up to date and they told me it was referred to an attorneys office for one 35 day late and they keep reporting negatively to my credit and they don't have my account nor do I have a court date

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 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I had service installed with XXXX XXXX. I was unhappy with the service provided and on XX/XX/XXXX I called to discontinue my service. XXXX sent final billing statement dated XX/XX/XXXX- XX/XX/XXXX requesting that I remit a payment for {$110.00}. I've made several attempt to discuss and disputes amount with creditor and debt agency the charges are incorrect. I should only be charge for days of service use not entire month of service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: UT

Complaint narrative:
My wages are currently being garnished for a debt that is past the time-barred statute of limitations for it's being collected using these means. I was not served documents or paperwork stating that there would be a court date or hearing, I was unaware of the court proceedings and could not make my defense about this at the time. The original debt was for a revolving credit card and the limitations for that are 4 years in the state that I live in. The current amount being collected is {$6000.00} and the garnishment has been awarded to them for the full 25 % allowed deduction from my salary. The last date that there was any transaction with the account was in XX/XX/XXXX, that was a garnishment as well. The account went to collections in XXXX. The original debt was for a credit card that had a {$1700.00} limit, the interest rate they're charging is at 23 % and I'm overwhelmed by the nature of both the abrupt garnishment and the inescapably large amount of money that this company is attempting to take from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I received in the mail a letter from equifax stating that information on my credit report has been updated. Everything that I could see was accurate EXCEPT my social security number is wrong. When I called equifax, I spoke to a representative by the name of XXXX who said that my information was given to them by a bank but could not or would not disclose the name of so called bank so I could call this bank and have them fix the information. All 3 banks Ive had in the past 3 years all have my correct social security number. When I asked him to update it he said he could not update it without me faxing a copy of my ID & social security card which I told him I didnt feel comfortable doing. He said he was stationed in the XXXX which made me uncomfortable to be faxing over my personal information as a citizen of the United States and someone over seas is handling my credit?! I then asked to be transferred to his supervisor to resolve the matter which I was placed on hold for upwards of 20 minutes which I then hung up. I want equifax to report my valid social security number and to give me the name of the bank who supposably gave them this incorrect information so I can straighten this out. I have not been able to access my free yearly credit report due to this inconvenience!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: Movement Mortgage LLC
State: GA

Complaint narrative:
I originally applied for a loan with Movement Mortgage on XX/XX/XXXX for underwriting. The loan ( XXXX ) was pre-approved and then transferred to Mortgage Loan OfficerXXXX XXXX on XX/XX/XXXX because he was licensed in Georgia. 

On XX/XX/XXXX, Movement Mortgage access my credit file unbeknownst to me and started another application for underwriting even though they had all the necessary documents. 

On XX/XX/XXXX, after I pressed the issue with XXXX XXXX, the Georgia branch manager, however no logic explanation was given. On XX/XX/XXXX, I terminated my loan ( XXXX ) and relationship!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I recently obtained a copy of my credit report. I noticed a collection on my report from Diversified Consultants for {$670.00}.

# 1. I was never notified about this debt.

I never received any letters or phones call concerning this debt.

I was never given an opportunity to dispute this debt, it just showed up on my credit report.

# 2. I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 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: MO

Complaint narrative:
I would like to file a complaint regarding some unlawful practices Ive experienced with TransUnion. I recently reviewed my credit report, and I noticed some inaccurate information. I made TransUnion aware of the inaccurate information on XX/XX/XXXX ( FORM A ). This was sent certified mail in which they received on XX/XX/XXXX ( FORMS B and C ). In my letter, I asked for validation of the unverified accounts as well as everything they had in my files as of that date. In response, TransUnion sent me a letter ( FORM D ) that stated one account had been updated and the other had been verified, however, they did not comply with my request of providing me with everything they had in their file as of that date to support their claim of validation. 
As a response, I followed up with another letter on XX/XX/XXXX ( FORM E ). TransUnion received this letter on XX/XX/XXXX ( FORM F and G ). In this letter, I informed them of more inaccurate and unverified accounts reflecting on my credit report. I also mentioned the accounts that I had originally disputed, and that they had not been properly/lawfully verified as accurate, so they should be deleted. In response, TransUnion sent another letter addressing all of the debts ( FORM H ). I found that two of  the accounts I disputed had been deleted, but other accounts were showing results of validation and/or updated. TransUnion still never sent me proof of such validation or any of physical documents in my file that I had requested. 
TransUnion is violating my rights as a consumer and has not met the time regulations for properly validating accounts. Since they were not able to provide me with the physical proof of what they used to verify these accounts, within the FCRA time frame, they must all be deleted. 

Thank you for all of your help, 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 2018-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My home was an Conventional Loan and it seems it is in an Equity Trust XXXX with XXXX XXXX. I have never had an Equity Loan on my property please explain why it is in a Equity trust in 2006. 

See below Home Equity Mortgage Loan Asset-Backed Trust Series XXXX XXXX, Home Equity Mortgage Loan Asset-Backed Certificates Series XXXX  XXXX. Their mailing address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and telephone number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX XXXX raised my interest rate on a credit card after the XXXX financial collapse and causes me to lose my good credit score rating which was unfair to me. Navy Federal Credit Union now is using what XXXX did to me to justify raising my interest rates also. I tried in good faith to get Navy Federal Credit Union to lower my rate with no luck, now Im requesting Navy Federal to follow the Credit CARD Act of XXXX : If a credit card issuer increases your annual percentage rate based on factors such as your credit risk as a borrower or market conditions, the creditor shall consider changes in those factors when determining whether to reduce your annual percentage rate. Every six months ( at minimum ), issuers must review accounts on which they raised the interest rate sinceXX/XX/XXXX to assess whether the facts they used to raise the interest rate have changed. If so, they must lower your rate. 
I respectfully request to have a review showing I have not improved in my credit rating not reflecting the XXXX XXXX credit card. Navy Federal has no reason to deny me my request for lowering my interest rate?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation