vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have an auto loan with XXXX XXXX. In XX/XX/2019 my insurance company totaled the car out and paid them {$7700.00} leaving a balance of {$2900.00}. I have been trying to get them to update the credit reports as they are reporting the wrong information. We nor XXXX XXXX own the car any more the Insurance company does. So this needs to be corrected. Please report the correct information to the 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
Consumer complaint received 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone stole my information and opened accounts fraudulently and applied and created all kinds of inquiries in my name ... ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone stole my information and opened accounts fraudulently and applied and created all kinds of inquiries in my name ... ..

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 2019-06-22 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: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE 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 non-monetary relief
Consumer complaint received 2019-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: MD

Complaint narrative:
On XX/XX/XXXX Speedy Cash  debited my card for XXXX without my permission. When I contacted them they said that the company " XXXX XXXX '' handles all of their collections accounts, and that I should be glad my debt was settled. I spoke to 4 different people with my bank on the line and they kept giving us the run around. I called " XXXX XXXX '' and kept getting a " system down '' recording. Spoke to them XX/XX/XXXX and they stated that they didn't debit my card Speedy Cash did yet their XXXX location is on my bank statement. I asked them to produce the contract since they said the system is automatic. Speedy Cash gave them my account in XXXX of XXXX. XXXX of XXXX your company is still debiting my card. I asked them to produce the letters sent from their company they were unwilling to do so. The representative XXXX asked me if " I needed money ''. Each attempt I made to obtain the paper work they denied it to me. I even logged onto Speedy Cash website to see if I could obtain the contract and nothing was in the log. I asked a rep to send me copy and have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE 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 2019-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc
State: AL

Complaint narrative:
I tried contacting the original creditor ( XXXX XXXX XXXX XXXX ) to pay a debt in full. The original creditor told me the amount I owed was {$450.00}, same as what is showing on their bank APP but different from the amount reported to the credit bureau 's. XXXX told me I could not pay them directly but was told to contact The Best Service Company and make any payments directly to them. I notified XXXX that according to a letter I received from Best Service Company, I owe {$540.00}. XXXX told me that they were going to correct that by notifying Best Service Company of an extra payment they had received, and accepted, from me after they had already transferred the debt over to them. I contacted The Best Service Company and they had told me the amount owed is for {$550.00} ( different from all amounts I've been told so far, as well as the amount shown on their letter ). After explaining that the amount they are charging is incorrect, they kept disagreeing and told me they received information from XXXX saying the amount they have is indeed correct ; even after XXXX told me differently. I am being told too many different figures by these two companies and I have been attempting at settling this debt for months now so that I can get my credit in good standing.

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 2019-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
My problem is with my escrow company. It is a gigantic mess. They refuse to believe that they are wrong. But i know for a fact im 100 % correct. This problem is so big. That i cant write it. I literally need to talk with someone about this. Its far to much. I got your number from the XXXX. Because at this point. They see that i am completely right. And my mortgage company is refusing to still fix the problem that still exists. Please call me so i can lay out. How unprofessional this company is. Please call me. If i dont answer. Please leave a direct number to who ever calls. 
Im a XXXX XXXX XXXX. Im very good with my money. So please youll want to here what i got ta say. Im sure a new rule/law can be made from my issue. That will ensure it never happens again. 
I will send all my paperwork to the rep that contacts me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: Byrider Franchising, LLC
State: AZ

Complaint narrative:
An automobile account listed under CNAC-XXXX XXXX on my credit reports is showing as charged off. This account is for a vehicle that was totaled. I was covered fully under my insurance at the time. The insurance said the vehicle was covered. When I spoke with JD Byrider/CNAC initially about the account, they also said the insurance would cover the remaining balance because it was totaled. Since then, CNAC has reported to the credit bureaus that there is still a balance owed and has since increased the balance. I do not have any agreements with CNAC-XXXX XXXX and am therefore not responsible for this account. This should be removed from my credit with all three credit bureaus. I reached out to CNAC numerous times to explain this to them and have told them numerous times that I am not responsible for this account. I am a XXXX veteran and I have tried to get this done for a few years now.

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 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was unemployed from the years XXXX - the beginning of XXXX. During this time it was extremely hard for me to keep up with my credit card payments. I struggled alot during this period of hardship and unfortunately, this affected my relationship with this creditor. For the months of XXXX and XXXX, I was unable to meet the minimum payments on a {$1900.00} balance. I was attempting to enroll the accounts on a debt repayment program and this transition also led to delay in payments as the creditor and the program agency worked to negotiate a lower interest rate and lower minimum payment. This was my last resort because the company itself was not able to help me when I reached out for help with minimum payments and interest.

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 2019-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I applied for a business loan at XXXX XXXX the bank pull up my credit report and declined the loan because I had 3 negative items, that were reporting charged off collections, I was so frustrated because I paid all this accounts on XXXX. My wife registered me at XXXXXXXX XXXX a company that repairs credits in order to accelerate the process because I have paid in full letters from the 3 creditors Capital One, XXXX XXXX and XXXX XXXX XXXX, it has been six months already sending back and force documents to the credit bureaus disputing the accounts, calling the creditors and the only Credit Bureau that deleted this 3 accounts was XXXX on XX/XX/XXXX. XXXX and XXXX  are still reporting inaccurate information, it make no sense that the same 3 accounts were deleted and removed on XXXX report and the same 3 accounts appears still on XXXX and XXXX  having them the same paid in full letters that we send to transunion. Please I don't know what else to do. My wife has been paying since XXXX {$120.00} to XXXX XXXX, {$24.00} to each credit bureau to check the status on the disputes has been 6 months already 180 days, we are struggling with this issue, I do not understand how the 3 credit bureaus has listed the same XXXX accounts information with different status. Please help us resolve this problem that as XXXX XXXX we follow the law by paying this accounts in full and as of today it is hurting my credit report with inaccurate information,.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I would give negative if I could. My TD checking account was locked since I tried to log in online using wrong password many times. I called the customer service line and see if they can help. They said they could not ID me on the phone and I had to go to the branch. The nearest branch was 3 hours away. I said I wanted to close my account but they said I still have to come in to the branch. I am a XXXX and that day ( XX/XX/19 ) I had to reschedule my patients and lost my income on that day plus had to drive 3 hours to and from the bank. When I went to the bank at XXXX, VA, the bankers asked me why my account was locked and why I had to be physically here. They even said they did not know the reason and that is the top security. I told her what? I never owed any bank or even had any collection company called me. They made me feel like I am a criminal. They asked me about my previous address dated back for 10 years, my driver license, my bank statement from the other bank that I transfer to money from and make the copy of the other bank credit card, my SSN and also demand me to show my SSN card. Could all of these be done on email or phone when there is no difference at all whether you would ask me on the phone or see me in person? On top of that they made a copy of my other bank debit card. Is that not invading my security with the other bank? I had to download a statement from the other bank online account and email it to the banker 's email address. Isn't that invading my security? That sounded fishy to me. Are they stealing my money? How could this be possible when every single bank has the option to recover your password or identify you on the phone or online. When I arrive to the branch it was almost closed and the headquarter was already closed so the banker could not close my account until my account was unlocked. I guess TD just want to keep your money for inconvenience. Imagine if you move to the west coast or foreign countries where there are no TD bank around. Why would they even advertise about online banking when it is not online at all. I will demand them to pay my gas and time I waste to drive back and forth and also emotional distress. This is just UNFAIR. I will tell all of my friends and whoever I know to stay away from  TD bank. 
Beware of TD bank, they want to take advantages of the customers who live overseas or in the area where no TD bank located.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
Flagstar acquired my mortgage from another lender ( I had no way to object to this ) on XX/XX/2019. 
We were acquired from XXXX XXXX. We pay half of our monthly payment every 2 weeks. There are 26 weeks in a year and we make 24 half payments. This gives us the month of XXXX with no mortgage payment. We use that money for XXXX gifts. 

With Flagstar Bank I can't make a half payment. When I make an early payment. The payment is credited to principle not to the next due payment. Then when the actual payment is due they say I'm late and charge me {$50.00} along with attempting to get another payment or have my credit report tarnished. I have to call to have them credit the early money toward the monthly payment not the principle.

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 2019-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: AZ

Complaint narrative:
Cedar Financial aka Cedar Business Services keeps attempting to get me to pay for interest accrued on medical debt. I did not agree to interest terms. On several accounts for medical debt owed. File # : XXXX, XXXX, XXXX, XXXX XXXX all have interest applied to the principal amount. On XX/XX/2019 they falsely claimed to the Credit Bureau as Loan Installment instead of reporting as debt collection or medical debt. I have talked to them multiple times but they continue to skirt the law, for there fraudulent claims and misrepresentation of facts. My rights are being abused according to the The Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase has an account called Vault, where you put some extra barriers in place to protect against malicious withdrawals. I recently transferred some funds to my Coinbase Vault, but Im unable to access them because i dont have access to an old work email address ( the second of two email addresses tied to the account ). I do have access to the primary account email.

I contacted Coinbase several weeks ago and Im glad to provide any needed identity verification. I have received no response and so my funds are inaccessible to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
I wanted to refinance with cash out. 

Quicken loans sent an XXXX and appraisal report came out lower than what comparables should have been, because the XXXX used smaller floor plans instead of same floor plans. 

When I researched I found out that Quicken hires and uses XXXX XXXX, which is a parent company. 

There is a clear " CONFLICT OF INTEREST '' since Lender/Client and XXXX are working for the same company!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : XXXX XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX College v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX I applied for a business loan at XXXX XXXX  the bank pull up my credit report and declined the loan because I had 3 negative items, that were reporting charged off collections, I was so frustrated because I paid all this accounts on XXXX. My wife registered me at XXXX XXXX  a company that repairs credits in order to accelerate the process because I have paid in full letters from the 3 creditors XXXXl XXXX, Care Credit and XXXX XXXXXXXX XXXX, it has been six months already sending back and force documents to the credit bureaus disputing the accounts, calling the creditors and the only Credit Bureau that deleted this 3 accounts was XXXX on XX/XX/XXXX. XXXX  and XXXX are still reporting inaccurate information, it make no sense that the same 3 accounts were deleted and removed on XXXX report and the same 3 accounts appears still on XXXX and XXXX having them the same paid in full letters that we send to XXXX. Please I don't know what else to do. My wife has been paying since XXXX {$120.00} to XXXX XXXX, {$24.00} to each credit bureau to check the status on the disputes has been 6 months already 180 days, we are struggling with this issue, I do not understand how the 3 credit bureaus has listed the same 3 accounts information with different status. Please help us resolve this problem that as US Citizens we follow the law by paying this accounts in full and as of today it is hurting my credit report with inaccurate information,.

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 2019-06-22 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: CA

Complaint narrative:
I am puzzled why these account show up on my credit report out of nowhere.. It must be that someone use my identity..The accounts were fraudulently opened in my name..I did not make the charges..I am requesting that the items be blocked to correct my credit report.. XXXX XXXX XXXX ( ORIG CREDITOR : 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