vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I have been trying to bring my mortgage out of forclosure and my account current since XXXX of this year. Each time I am told that a reinstatement letter with the total amount due must be generated. 
I specifically asked that the letter be e-mailed to me upon completion to expidite the payment process. Instead, the letter, which has a ten-day expiration ( why not 30 days? ), is not e-mailed, but held, and then sent through regular mail. Each time the reinstatement letter has arrived in my mailbox already expired. 
I feel that this is being done to prevent customers from making payments, which in turn generates fees for attorneys and causes customers to lose their homes to forclosure. 

This has happened with reinstatement letters sent with the following dates : XX/XX/19, expiration date XX/XX/19, XX/XX/19, expiration date XX/XX/19, XX/XX/19, expiration date XX/XX/19 XX/XX/19, expiration date XX/XX/19. 
I don't this is a coincidence.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just wanted my payment on my credit card adjusted to show the new correct balance. They removed my XXXX XXXX XXXX  credit card and my score dropped I did not ask to have the credit card deleted off my account please put it back

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 2019-10-25 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
My son took a loan from an online app called Cashnetusa on XX/XX/2019, and received a cash advance on XX/XX/XXXX. When he realized how much interest he was being charged, he asked us to help him pay off the loan. 

On XX/XX/2019, we spoke with a collections center representative by conference call to pay off the loan. The company would only accept a same day payment from a debit card and would not accept an ATM card, credit card or ACH bank same-day payment. 

The ACH bank payment would not go through until the following Monday, meaning they would charge us an additional three days of interest. 

We asked to speak with a manager, but the representative said no manager was available to speak with us immediately. We asked to speak to a manager again and the representative put us on hold for 20 minutes. We eventually ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: LEXISNEXIS
State: GA

Complaint narrative:
There is a public record on my LexisNexis file that is not mine. I have dispute the item with them twice and they have verified the item 2 times. 

I don't understand how it is verified when the address on the public record does not belong to me and has never been associated with me. 

The items were disputed on : XX/XX/2019 XX/XX/2019 Again, this public record does NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a line item reporting on my Transunion credit report. This item is hurting my ability to obtain a mortgage loan. I sent TransUnion XXXX   and XXXX a letter including a letter from the XXXX XXXX agency to have the item removed from my credit report. XXXX  promptly removed the item from my report. TransUnion said this item was " verified ''. How can this be verified when I sent in the letter?

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 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: MN

Complaint narrative:
I received a mailed advertisement from Discover about their Discover It card. As I've been looking to replace my current credit card I followed the links and prompts listed in the information to find out what my credit line would look like with that new card. In completing the application I was notified an account was created, which is not what I expected -- I was merely trying to get an estimate of my line of credit. I immediately called the customer service number ( XXXX ) and told I am not able to cancel the account until documents are generated in the coming days, leaving me unable to close an account I never wanted to open in the first place. I expressed my concern to the employee, XXXX ( employee # XXXX ) who reiterated and confirmed she wouldn't close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: KY

Complaint narrative:
My next payment is due XX/XX/2019. To make changes to the amount, I have until XX/XX/2019. I sent the revoke permission letter and was advised that they would still be withdrawing the payment on the XX/XX/2019 for {$130.00}. This is not timely, and makes no sense if they can change the amount of the draft within 3 days, they should be able to stop the draft given a week. They said it has to be 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: NY

Complaint narrative:
PLEASE INFORM ME TO THE REASON/S WHY THE XXXX XXXX FROM THE YEAR 2006 ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. AFTER SEVERAL TIMES AT ATTEMPTING TO REMOVE THIS ACCOUNT COMPLETELY FROM CURRENT CREDIT REPORT. YOU HAVE NO IDEA HOW BAD THIS IS AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES. WITH DREAMS AND GOALS THAT I WANT TO ACHIEVE, ALL THE BAD REMARKS ARE REALLY PUTTING A FREEZE ON MY LIFE. WHY IS THIS ACCOUNT STILL REPORTING? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I went to lease a vehicle in my business name and they put it on my personal credit I did not sign for it personally. 
Then they reported me late payment but I had made my payment to the dealer because they contacted me and told me that the loan had not funded yet and I have to make another payment to them and I did. 
Finally 2-3 months later when I received from the my first bill I paid it then they reported a late on my credit. For the payment I gave the dealership. 
They acknowledged the payment but have not removed it off my credit report as a late payment. 
The company is Chrysler capital

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
On XX/XX/2019 a letter from Aldous & Associates was mailed to me in an attempt to collect a {$60.00} debt due to XXXX XXXX. I've previously cancelled my fitness membership with XXXX  about a year prior to this letter, and have had several e-mails sent to them about this issue. I have cancelled my membership and yet was being charged month after month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I have an auto loan on my XXXX XXXX through Chase. 

My payments are about {$470.00} a month. I typically pay {$480.00} a month which is more than the amount due. Because I pay more, the payment amount should decrease each month. Chase has normally calculated the payment this way, but in XXXX, they failed to take into account the extra money I had paid on the account for the last year. So, on my statement, they show the normal {$470.00} payment due rather than the adjusted amount which should be about {$420.00}. So, I attempted to pay the {$420.00}, Chase would show I underpaid when it was not. 

I am supplying copies of my monthly statements with the complaint reflecting the payments, the previously adjusted monthly payments, and XXXX 's incorrect adjusted payment. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In 2012, while still in the US military and on assignment, my team, the XXXX XXXX XXXX, was scheduled to lodge at the XXXX XXXX in XXXX XXXX Texas while preparing for our unit to go on a XXXX. 

I was the first XXXX to arrive so I checked in ahead of my team. We stayed at the hotel for 30 days on orders and our rooms were USD {$100.00} per night, totaling {$3000.00} plus taxes upon checkout. Every XXXX XXXX room was supposed to be charged to their respective US military issued credit card. However, when I checked my credit card balance, there was an astounding amount charged to my card for USD {$6000.00} plus taxes. I called the hotel to dispute the charges, and was told the additional charges were associated with another XXXX, XXXX XXXX. I spoke with the hotel manager about the unauthorized charges and was told the issue would be handled internally to see where the discrepancies occurred. 

I arrived back to our unit, and financial services processed our card balances through a process called XXXX. My charges for my room were paid because they were valid, leaving a remaining balance from XXXX XXXX XXXX room. The XXXX XXXX state the military was not responsible for resolving the billing discrepancies as that was solely the responsibility of the hotel. 

After not hearing back from the hotel, I contacted XXXX XXXX several times and made him aware of the billing discrepancy. XXXX agreed to pay the balance in full via several recorded calls and emails to remedy the issues. However, after many unsuccessful attempts, XXXX changed is contact information and I was never able to contact him again. 

This balance was reported to the credit bureau and I never had access to the card account after this issue. These unauthorized charges are not the result of myself, and the hotel management had ample opportunity to correct the issue caused by their front desk agent on duty. 

I am going o seek legal representation, as well as contact XXXX, and the attorney general about resolution. This account has been reporting negatively on my credit for over 7 years and keeps reappearing. I am NOT responsible for these charges.

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 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
When moving out of XXXX XXXX XXXX, my partner and I both gave our phone numbers, email addresses, and new residential address to be contacted at under the understanding that we would receive a notice in the mail of what, if anything, we owed the apartments for damages and were to pay in full in two weeks upon receipt. We never received a letter, phone call, or email, and instead the debt went straight to debt collection and we don't know what, or why, they're asking us to pay, and we were never given notice or time to pay within the agreed time frame, promised in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
This is a formal complaint on State Farm Bank Credit Card. I have been a customer of theirs for 10+ Years. I have trusted them at all times to resolve any issues and have always been great. I used my credit card to pay for a parking service in the XXXX ( XXXX ) Airport. While I parked there my car was broken into, items were stolen from my car. In person I tried to resolve the issue at the parking lot and they would not let me file a police report or a complaint. They would not let me out if I did not pay and my safety was at risk. My cost to replace my stolen spear tire and tools were {$480.00}. I felt I should not have to pay for parking in a lot where my security was compromised. State Farm has always been great and has promised to be good neighbor and protect its consumer. The representative stated rudely that it was not state farms problem. I was forced to use my credit card to get out of the lot. I used SF CC to pay since it was the only card I had with me and the only one I ever use due to the security it has always given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have the following disputes ( complaints ) : 1. After calling all of the Experian 's phone numbers listed on Experian 's website or other sources, I never could speak with a real person. I got the same computer generated menu from each phone number that did not address my problem and would not allow me access to a real person. I need a phone number where I can speak with a real person that is knowledgeable about my account and their business. 

2. I want a knowledgeable person at Experian to explain to me specifically why my credit score changed XX/XX/XXXX and went down another 5 points XX/XX/XXXX. I did nothing between those dates to affect my credit score. 

I do not want to be told of " potential '' negative affects that are several years old. I want real time specifics. 

I do not want to be told I should review my credit report and figure out myself why my score would dive 5 points. That's because there is no reason. 

If Experian uses an algorithm that knee jerks every time a report is submitted by a company about my credit, then tell me so. Tell me a human has nothing to do with my score calculation and a company can report anything they want to influence the algorithm. 

How many times over a 4 year period does a 4 year old late payment solely or contributes to moving my credit score down. Once for x negative points and then never again? Or does the same late payment on my credit report continue to lower my score a number of times over several years

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 2019-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
In XX/XX/2019 I called my mortgage company and asked how can I catch up with my mortgage? After trying to get me to pay some balloon payment for a year I told them I couldn't afford that. Mind you I'm only 2 months behind, then they suggested a loan modification. With no one completely explaining the matter to me and making it sound so simple I agreed. The company has been dragging me along for 3 and a half months. Now we are in foreclosure status and they had a sale date for next month but it was canceled. Everytime I call in which is 2 or 3 times daily I get a different reaction. They need this and they need that so I send it and 2 days later they need something else this has been going on for months now and is still happening until this day. Every representative tells you something different but no one solves the problem. This is the worse experience of my life been in my house 12 years with no issues until now can anyone tell me where this company came from.

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 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NV

Complaint narrative:
On XX/XX/2019, I purchased a {$200.00} gift card from Vanilla Visa. It was stolen the same day. I contacted the company to file a claim and complied with their documentation requests. To date, I have received no response or updates to the filing. 

I called today for a status check and was basically told that the information that I filed with the m was " invalid ''. Why, I asked and was informed that it didn't have my name and address. While we were talking, I was looking at copies of the information that I submitted and seeing the very information that they were telling me was missing. It was suggested that I send it in again. If the information was " invalid '' wouldn't they just reject it again? Same answer. I asked for a manager - same answers. I asked for a corporate person and was given a phone number, XXXX XXXX XXXX. I called that number and was told that they didn't handle customer service issues ... I should call back to the previous contact. 

I obviously wasn't getting anywhere so I am taking this step because your office has been of great assistance in the past. Hopefully, you will be again. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
XXXX XXXX erroneously charged me for a 2nd account when I moved in 2017. They then turned me over to Credit Protection Association of XXXX TX, a collection agency. I disputed the charge with XXXX. CPAssoc & XXXX. 
I paid my last bill of {$170.00} on XX/XX/2017 for XX/XX/2017. Then paid {$33.00} for the 1st week of XX/XX/2017 after I moved. 
XXXX screwed up by shutting off my service 5 days early - on XX/XX/2017, so they opened a new account for the next 5 days.These unpaid charges should have never existed. 
The collection agency refused to discuss the problem. XXXX   evidently contacted only the collection agency.

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 2019-10-25 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: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Remove fraud alerts

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 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Remove fraud alerts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TRANS UNION emaailed me my credit report and I can't open it.I called them without getting assistance.

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 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Would like my fraud alerts removed from my credit report

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