vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
North Star Finance sent me a couple of letters in the mail stating I was eligible for a loan modification on a home I own in Florida. I contacted them to see what it was all about. I am  XXXX   XXXX   XXXX  and have a high interest rate on my home loan. I had been wanting to find out what I could do to get a lower interest rate. They explained their process and I trusted them ... .that turned out to be a huge mistake.   Over the next several weeks I filled out everything they required, and supplied them with all of their requested information. They explained to me they would have my mortgage loan modified within 3 months and my interest rate would be reduced to the current average rates. They then required a {$6000.00} payment for the closing of the loan modification. I sent them the money. Shortly after that, they explained they need another {$1500.00} to complete the loan documents. I sent them the additional {$1500.00}. That was over 6 months ago.   Over the next few months I heard very little from them. I tried and tried to get a hold of them. I did receive a couple more letters, which made it look like they were actually working on it. I later learned that nothing was actually being done, and their documents are all bogus. The last communication I had with them, they were demanding an additional {$1200.00} payment. I told them I was not going to give them anymore money.   My daughter has been trying to help, and she has been in contact with them. She requested they give me back {$6000.00} of the total {$7500.00}. They deposited a check into her account for {$7500.00}. They wanted her to give them back {$1500.00}. She told them she would once the check gets funded from their bank. Well, 3 days after the check was deposited it bounced. We were n't that surprised.   I have a copy of the check. I believe they are making false checks with someone else 's information on them.   The name and address on the check is from an older gentlemen that lives in  XXXX . I believe he has no idea what these guys are doing.   The check bounced abo  ut 3 weeks ago. Since then my daughter has talked to them a couple of times. They claimed they would send a money order, but that was over 2 weeks ago. They now wo n't return my daughter 's calls.
I am concerned they are scamming people all over. They must be   stopped.   Any help or assistance you can give would be greatly appreciated.   Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On  XXXX   XXXX ,  2017  at  XXXX    XXXX   XXXX   central time, I sent a multiple inquiry removal letter via fa x to Trans Union to  dispute information,  XXXX  hard inquiries, that was being reported on my report. TransUnion received the letter  XXXX   XXXX     2017  and they completed the request  XXXX   XXXX ,  2  017, ONE DAY LATER! I submitted a request to investigate   XXXX   hard inquiries that were n't factual and I received the same response for all   XXXX   Inquiries, which was, " inquiries are a factual record of file access. If you believe it 's unauthorized contact the creditor. '' According to the FCRA Rules, 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST BE investigated and if you do n't investigate and respond the credit reporting agency, which is TransUnion, must remove the disputed information from it 's files. The fact that TransUnion made a decision A DAY LATER, one can assume that their was no investigation! I will upload the letter that I received from TransUnion, which will show the date they completed the so called investigation, and my dispute letter, cover letter, and the transmission verification report with the fax 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 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. I have been a customer for 20 years. On XXXX XXXX, 2017 I opened a credit card account at my branch in XXXX XXXX California and requested a balance payoff for another credit card at another bank. The requested amount was {$7000.00}. This was to take advantage of their 12 month 0 % offer which I received in the mail. I was approved on the spot and the payoff amount was submitted by the banker. On XXXX XXXX, 2017 I received a call from XXXX XXXX 's fraud department saying that they had received the original request which was pending but shortly thereafter received another request for {$5400.00}. to be applied to the same payoff recipient. I told them that was wrong and not to pay that amount but the {$7000.00} was approved. Concerned I closed the account and went to my branch on XX/XX/XXXX and spoke to the banker who made a call to inquire without result. Counter to my request the bank went ahead and paid {$5400.00} towards the other bank account but not the {$7000.00} per my conversation. They are now saying they ca n't get the money back from the other bank and are charging me {$160.00}. transfer fee even though they paid an amount I never authorized and gave them notice not to send. Paying that amount does me no good at all. I do n't want to pay the fee and would like to know why they sent the lesser amount when I told them it was unauthorized. I have tried several times to get results and have spoken with my banker and several supervisors but they have not responded or reversed the fee. Please help me. Thank you.

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 2017-05-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is currently reporting a reinserted debt on my credit file from  XXXX   XXXX . It was first reported in  XXXX  ( report #  XXXX   XXXX . I disputed the debt with  XXXX   XXXX  through the CFPB on  XXXX / XXXX / XXXX . it was then deleted. now in  XXXX  the debt is re-reporting on my credit report. This is a violation of my rights and the credit laws. I tried disputing the reinsert with Experian was given the response that it was verified. I contacted  XXXX  and was never given a  XXXX . this account is not mine, i never opened an account with  XXXX . i have not received a response from  XXXX  and the dispute was submitted on  XXXX / XXXX / XXXX . This debt was removed from all other credit bureaus but Experian is still reporting it after it was previously deleted in  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 2017-05-19 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: CA

Complaint narrative:
Transunion  XXXX   XXXX  are reporting an old tax lien and it is inaccurate. It was a pre-lien and it should have been less than {$1000.00}. I have never had taxes that high. It was released shortly after but how is it valid they can just put whatever amount they want on your credit and its valid? The State of Ca even says it was an error.   I thought there is a new law coming into affect  XXXX / XXXX /  XXXX   regarding public record reporting? This needs to be deleted as it is completely and utterly INACCURATE!!! NOT VALID!   a $  XXXX  pre-lien for maybe {$900.00} worth of taxes for a current year?     How can they even give you a lien for a year that has n't even ended yet so you can file taxes?

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 2017-05-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX   & E xperian are reporting an old tax lien and it is inaccurate. It was a pre-lien and it should have been less than {$1000.00}. I have never had taxes that high. It was released shortly after but how is it valid they can just put whatever amount they want on your credit and its valid? The State of Ca even says it was an error.   I thought there is a new law coming into affect  XXXX / XXXX / 17  regarding public record reporting? This needs to be deleted as it is completely and utterly INACCURATE!!! NOT VALID!   a $  XXXX  pre-lien for maybe {$900.00} worth of taxes for a current year?     How can they even give you a lien for a year that has n't even ended yet so you can file taxes?

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 2017-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI

Complaint narrative:
On XXXX XXXX I received a letter from a collection agency ( XXXX XXXX XXXX XXXX of XXXX, CO ) that claimed I had taken out a loan and failed to repay it. The loan was from Cash Central which I discovered ultimately was a subsidiary of Community Choice Financial in XXXX, OH. I called XXXX to indicate that I had not taken out such a loan and that if they continued I would like proof including a signed contract, bank account numbers where the loan was deposited, etc ... They refused. Because this group clealry appears to be a payday loan company that will give money to anyone with a social security number and the ability to click a box on a computer, I filed a complaint with the BBB in Ohio and Colorado. Today, I received an email from Community Choice asking me to fill in several documents and to obtain an  affidavit from the police that my identity had been stolen on a loan that was allegedly made XXXX XXXX, XXXX. I am not alleging identity theft but simply that they have provided a loan in my name without sufficient proof of my identity. I called them today to ask for documentation and they were rude and refused to answer my questions or do anything without me filling in pages and pages of documentation for something that has nothing to do with me. This company clearly has inadequate financial controls and underwriting processes in place. Had they simply checked my credit report and asked a few questions the loan never would have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On  XXXX   XXXX ,  2017  i paid off  My Ally Auto loan. i waited a few weeks to inquire to Ally after not receiving my Auto title to the vehicle. I have been told 6 times from Ally customer service that the title was maile d regular mail to me on  XXXX ,  XXXX . As of today  XXXX   XXXX  i have not received the title and  all Ally will  tell me is they cant issue a duplicate title request until  XXXX   XXXX . And that  XXXX   XXXX  is just the date they can request a title to be reissued. It will t ake 3-4 week s for the reissue to take place. i should not have to wait 2 months to receive my title to my vehicle.

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 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
Trident Asset Management Company  has a debt for {$8000.00}, account number  XXXX  which was removed from my  XXXX  credit report because it was an unsubstantiated debt. I am trying to buy a home and this company will not remove the debt from my other  XXXX  bureaus even though it does not belong to me and this is prohibiting me from moving forward in the home buying process. I do not owe this debt,   XXXX   verified this and had it removed in  2015 . Can you please assist 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 2017-05-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reached out to Experian several time and they are refusing to remove credit inquires. My Experian credit report displays  XXXX  hard inquires that was n't unauthorized by me. Please remove all credit inquires from my 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 2017-05-19 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:
XXXX is reporting XXXX fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since XXXX 2017, and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are XXXX loans that I DID take out in my name but there are XXXX loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to XXXX back in XXXX 2017. After multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until XXXX XXXX, 2017. Five months later, after requesting one to be sent to be beginning in XXXX, they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that XXXX is servicing these loans and they are rejecting my fraud packet. However, whenever I call XXXX they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on XXXX XXXX, 2017 and according to the packet credit reporting was to cease 15 days after receiving the packet, which was XXXX XXXX. They have yet to do so and had the nerve to tell me they ca n't because XXXX rejected the packet. XXXX does n't even know who I am when I call so how can they reject a packet? If anyone from XXXX actually bothered to called the XXXX number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!

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 2017-05-19 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: CA

Complaint narrative:
XXXX is reporting three fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since XXXX 2017, and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are four loans that I DID take out in my name but there are three loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to XXXX back in XXXX 2017. After multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until XXXX XXXX, 2017. Five months later, after requesting one to be sent to be beginning in XX/XX/XXXX, they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that XXXX is servicing these loans and they are rejecting my fraud packet. However, whenever I call XXXX they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on XXXX XXXX, 2017 and according to the packet credit reporting was to cease 15 days after receiving the packet, which was XX/XX/XXXX. They have yet to do so and had the nerve to tell me they ca n't because XXXX rejected the packet. XXXX does n't even know who I am when I call so how can they reject a packet? If anyone from XXXX actually bothered to called the XXXX number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oracle Financial Group LLC.
State: CA

Complaint narrative:
on XX/XX/XXXX I received a message at my job about something regarding a county petition and to call " XXXX XXXX ''. I called to realize this was not the county calling me but someone from Oracle Financial Group saying I owed a debt I did not realize I had. This was the first communication about this matter. I have never received any written notice about this debt. I began to write down the who, what, when, and why so I could make sense of what I was being told. I asked " XXXX XXXX '' for her first name and was immediately placed on hold. After coming back from hold " XXXX XXXX '' came on to the call and the first thing I was asked was if I was recording the call. I said no, and " XXXX XXXX '' proceeded to tell me she was attempting to collect a debt and if I did n't set up payments through her department which she said was the litigation department that she would submit a petition through the county I live in and that I would be served at home or my place of business. I calmly and respectfully informed her I am not trying to negate my debt or anything she was saying but that I had to contact the lender ( XXXX XXXX XXXX ) and verify everything she was saying before I agreed to any payments and that I hoped she understood. She hung up on me. I contacted XXXX XXXX XXXX which informed me my debt was half what ORACLE FINANCIAL GROUP stated it was and that my case had been sold to " XXXX XXXX XXXX '' and to call. I called given the number provided and I was sent through an automated loop which informed my they are a " XXXX XXXX XXXX '' and that my account was most likley sold to ANOTHER debt management company for collection which they do not do, going through to eventually a call dying. I tried again and same thing. Obviously there isnt a customer service person. I found them online and it said for fastest contact fill out a form for contact 24/7, with a sentence literally following it saying response within 3 business days. I finally found an online form to find my account was indeed forwarded to " XXXX XXXX ''. who I can call however get hung up on, no answer, no way to contact them other than filling out a form and waiting for a response. All while ORACLE FINANCIAL GROUP is likely filling a petition for this debt which I can not confirm they own because they refuse to provide any documentation unless I pay. I pay or get served.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief