vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-03 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 — Was not notified of investigation status or results
Company: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
Last summer sometime around XX/XX/XXXXI began monitoring my credit reort and disputing accounts that were n't mine due to my identity being compromised/stolen and having no knowledge of the accounts on my report. 
I disputed the accounts with XXXX and the disputed accounts were Trident Asset Management for {$260.00} and {$200.00}. XXXX XXXX XXXX for double charges {$500.00}, {$500.00}, {$340.00}, {$340.00}, {$180.00}, {$180.00}. XXXX XXXX XXXX for {$140.00}, {$130.00}, {$15.00}. XXXX XXXX for {$65.00}, {$65.00}. XXXX XXXX {$68.00}, {$68.00}. 
It took me a while to notice due to just having a baby XXXX XXXX and not checking my report for a while but inXX/XX/XXXX I noticed these accounts were reinserted onto my credit reports without any documentation supporting accuracy for re-inserting the negative credit items or any notifications from the creditors nor the bereau but I have letters published on the dispute website from XXXX that these accounts were deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I DO NOT OWE ANY MONEY THEY ARE CLAIMING THAT I HAVE TO PAY XXXX XXXX XXXX XXXXUSD XXXXI DO NOT OWE ANY MONEY TO XXXX. ALL DUES HAVE BEEN SETTLED AND THEY NEVER ASKED ME TO PAY ANYTHING OUTSTANDINGTHIS IS A FALSE CLAIM TRYING TO RIP OFFTHIS COLLECTION COY IS XXXX XXXX XXXX XXXX XXXX , FLORIDA

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 2018-01-03 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I called the phone number as listed on the credit report via XXXX for XXXX XXXX XXXX After several phone calls that direct consumers to use the same number as listed on the credit report, I finally spoke to two separate agents who verified via my social security number that I did not have a credit card on file. I asked for a supervisor, I asked to be transferred, I even would ask for their names and they would rudely evade my questions and would hang up on me. The DLA on my account was XXXX. The account was paid and closed at store in Nevada on XXXX. 
Here is a copy and paste of what XXXX XXXX XXXX  denies over the phone exists and refuses to remove this information which hinders my ability to open a line of credit or get additional credit elsewhere. Dealing with their phone reps has been wasted time and an aggravation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX Date of Last Paymnt Scheduled Paymnt Amount Actual Paymnt Amount Amount Past Due Balance Amount Items As of Date Reported XXXX XXXX XXXX/XXXX/XXXX Date Closed Terms Duration Terms Frequency {$200.00} Credit Limit {$230.00} Date Opened High Credit {$0.00} XXXX XXXX Balloon Pay Amount Deferred Pay Start Date Balloon Pay Date Charge Off Amount Date XXXX 1st Rptd Date of Last Activity Activity Designator Creditor Classification 24 Paid and Closed Months Revd XXXX/XXXX/XXXX Date of 1st Delinquency Account Number Status Pays As Agreed ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Account Closed by Consumer ; Closed or Paid Account/XXXX Balance ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I purchased my car at XXXX XXXX XXXX in XXXX, AZ. in XX/XX/XXXX 2012. The salesman, who I knew, actually picked me up at my home in XXXX and drove me to the lot cause he knew I was looking for a car. He was an associate of mine. I was n't working but had over {$1500.00} in cash to put down on a car. The car they sold me was a XXXX XXXX XXXX, the most basic model. 5 speed, no auto windows and no speakers in the back. Somehow I was finagled into signing and getting approved, with no job, mind you. My payments were set a XXXX XXXX/month. I should n't have agreed, but I needed a car and was encourage by the salesman that it would n't be that difficult to pay it off. I made payments until I could n't afford to anymore. I was n't full-time employed and rent and food were more important, so my car payments ended up in default. Santander is the owner of the loan. They worked with me to half my payments for a bit, but that only worked for a few months. When I finally got a full time job, I made the payments before the billing cycle was overdue. I 've been very consistent the last year and a half in paying this off, however, when I called Santander about my balance, it had barely budged. Currently I owe {$15000.00} on the vehicle. When I pulled my credit report, I noticed that the majority of my payments never went towards the principal ( as you 'll see by the attached form ). I ca n't express how much this saddens me. I 've made extremely high payments for a vehicle that is now worth less than {$3000.00}. And no one at Santander ever reached out to help me knock this bill down. I ca n't refinance either. I 've paid more than what the car is worth at sticker and now I still owe {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My home mortgage is scheduled to come out of my checking account on the XXXX of the month and has been since my mortgage started in 2009. It is sent by mail from NY to MD on the XXXX. Allof a sudden it is not getting there before the XXXX, which is their late date and I was charged on 5 occasions at {$110.00} each. Why all of a sudden they are getting there late. One was even posted on the XXXX of the month. We spoke to XXXX, our bank, and they said it should not take 10-12 days to get to Maryland from New York. I did speak to M & T Bank and they did reverse 2 late charges but I feel they should reverse them all. 

They wanted me to let them have access to my XXXX account to pay my mortgage but I do n't want that. I am going to change the date that it comes out of my account or I may send it by mail myself.

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 2018-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Big Picture Loans, LLC
State: MA

Complaint narrative:
I received an offer for a loan from bigpicture loan company. I applied and was approved for a {$800.00} loan in XXXX of 2017. I needed the money for XXXX shopping. I am not sure if the details of the loan, ( interest rates, monthly payments ) were on my application. After reading the fine print after I received the money, I discovered that I was paying 684 % interest and would pay back {$5100.00} on a {$800.00} loan to be paid in 22 monthly payments of {$190.00}. I am on ss XXXX and can not afford this. I truly believe the company took advantage of me in my time of need. I did make my first payment ( direct debit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Company did n't provide written notification of this debt or right to dispute. I called on XX/XX/2017 after a leasing agent said that this debt showed up on my credit as a broken lease despite written notice provided 6 months prior to move out to original property owner. When contacting IQ, a rude agent named XXXX and his even ruder " supervisor '' XXXX refused to furnish any information in writing regarding the debt and declined to make settlement for speedy resolution. XXXX then tried to extort a larger payment by saying that only paying a higher amount would be deleted from the credit report, despite the fact that the negative information should n't have been put on my credit report to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
J.P. Morgan Chase is foreclosing on my property with an assignment that has been robo-signed and conveyed fraudulently, and refused to restructure the mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: EQUIFAX, INC.
State: AR

Complaint narrative:
In XXXX I put a fraud alert on my credit bureau file with Equifax. As of XXXX/XXXX/XXXX I had the fraud alert removed and noticed 21 unauthorized inquiries were listed on my credit report with Equifax during the time that I had a fraud alert. I disputed the inquiries in XXXX XXXX with Equifax as unauthorized and fraudulent. In response to my dispute Equifax sent me the attached letter saying that the 21 inquiries were a factual record and refused to remove them. I have tried disputing these inquiries with Equifax and the companies that put inquiries on my report. Equifax is telling me to contact the companies and the companies are telling me to contact Equifax. I am getting nothing but the run around. I need these inquiries removed as they are not mine. According to the FCRA I have the right for my credit report to show accurate information. Please help me. Equifax knows that these inquiries are fraudulent because they did not provide how they verified this information as I have requested several times. I am pretty sure that most of these inquiries were part of the Equifax data breach in early XXXX. I sent out letters to each company directly its been over 60 days and I have not received a response. To my knowledge all consumer reports should be true of whats being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I DO NOT OWE ANY MONEY THEY ARE CLAIMING THAT I HAVE TO PAY TOYOTA MOTOR CREDIT CORPUSD XXXXI DO NOT OWE ANY MONEY TO TOYOTA. ALL DUES HAVE BEEN SETTLED AND THEY NEVER ASKED ME TO PAY ANYTHING OUTSTANDINGTHIS IS A FALSE CLAIM TRYING TO RIP OFFTHIS COLLECTION COY IS XXXX XXXX XXXX XXXX XXXX , FLORIDA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: CA

Complaint narrative:
Contacted the specialist handling my debt collection and or complaint. She was not willing to settle nor provide any information to close the case. Consumer was willing to settle case and debt collector unwilling to.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have 2 credit cards with Capital one. They reported me late in XXXX of XXXX for both cards. I had a payment due on XX/XX/XXXX on one card and XX/XX/XXXX on the other. I had just XXXX my father and was going thorugh a very hard emotional time. 

I made the payment for both accounts and brought the accounts current. My credit union also changed and I used the old accout to make the payment.The payment was returned due to insufficient funds but once I saw the wrong bank was used, it was corrected in 3 days. 

As a customer and seeing that I was never late, I reached out to Captial one and they refused to remove the SINGLE late payment. They stated that even though they got the payment the following month for double the amount, they are still reporting it late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recover, LLC
State: WA

Complaint narrative:
My husband is a Veteran we was living at an apartment in XXXX XXXX, due to financial difficulties we had to break the lease. We paid all our rent up to the month we left. We break the lease 2 month before the lease was up. For the 2 years we were living at the apartment we never miss a payment or paid late. When we were leaving we went to the office spoke to the apartment personnel about breaking the lease and told them we will pay when our situation change they promise they wont put it on our credit and turn around and sold it to a collection agency that place it on our report and has been bugging us. This fee is just for breaking the lease 2 month before it ended not for owing rent now we have to stay on base with a family member because we cant get anywhere to rent with that on our report

Company response to consumer: Untimely response
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
we have this account for more than 1 year but try use my card and decline when talk to agent in the bank told me the bank has that right to close the account any time and dont get me any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC PACIFIC MORTGAGE CORP
State: NJ

Complaint narrative:
It has been five years plus since 2012 that I have been trying to get my escrow back from XXXX when they sold my mortgage to XXXX which violated my consumer rights ( letter to Insurance company to change the Mortgagor to XXXX ). Attached is a copy of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Complaint XXXX is not resolved. 

Company 's Response : Equifax has reviewed the complaint and its records. You did not list any specific items in which you are disputing. In order to properly address your concerns and assist you, you will need to provide specific details regarding items on your current credit file in which you disagree. A copy of your Equifax Credit File has been sent for your review. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. 

Apparently, Equifax is in unable to comprehend what they read! Therefore, I will try it again. Maybe a picture will be easier for them to understand. ( attached ) WHAT INFORMATION IN THE ATTACHMENT DOES NOT MATCH YOUR RECORDS??? 

A RE-WRITE OF THE ORIGINAL COMPLAINT : On XX/XX/XXXX, I received an email from Equifax that my " Dispute has been completed '' ( document available ). The email instructs to click on a link to review the results ; But I am unable to pull-up the report on Equifaxs website ( error message screen-print available ). As a result, on XX/XX/XXXX I called Equifax 's customer service at XXXX ; The call duration was one-hour, twenty-seven minutes and twenty-seven seconds, which ended at XXXX XXXX XXXX. After repeated requests for assistance to sign onto the Equifax websiteThe agent hung-up on me without resolving my problem. Up to six-weeks ago I was able to log onto the Equifax website using the exact same credentials as I used on XX/XX/XXXX. For whatever reason Equifax refused to match my input credentials with their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been enrolled in auto pay throug Navient for over one year. My interest rates changed on my private loans in the last month, yet I am paying late fees for XXXX and XXXX. One representative told me it was an error and it would be handled. It never was. Another told me it’s only for XXXX, which is incorrect based on the statement provided from Navient. A supervisor told me it’s an accumulation for months yet I have never been informed. And another representative told me the company doesn’t know when rates change so they don’t know what my payments should be. I am a XXXX year old XXXX  struggling to make the payments monthly, but I have been paying as requested, even the late fees even though no one at the company can provide me with an accurate answer as to where the late fees are coming from. I spent 2.5 hours on the phone just today and still could not get an answer but was switched between representatives and supervisors countless times. They’re unprofessional on the phone, claiming I don’t pay, when my payments are automatically withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: TX

Complaint narrative:
My Ex-husband (XXXX XXXX. XXXX XXXX)  and I had a mortgage that was transferred to XXXX XXXX XXXX.  After about a year, the mortgage account was then transferred to XXXX XXXX XXXX.  The mortgage is no longer reporting on XXXX or XXXX because the very first delinquency is over 7 years old.  I have disputed this account with both XXXX  XXXX XXXX and Transunion, and to this day, neither of the companies will fix this error and remove this account from my credit file.  I have been denied credit because of the account showing I am paying a monthly payment of XXXX and that it's reporting late payments 1 in 90 days and then 120-149 days late in XXXX of 2011.  I am so so so upset because they have caused me nothing but heart aches and pain and many unnecessary denials because they fail to correct the 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 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
XX/XX/2017 I tried to check my balance via mobile app. I know my user name and password but on the first attempt got an error message telling me the maximum number of attempts have been made call XXXX. I call 25 minute wait time. I go do other thing call again, wait the twenty minutes and get a recording telling me I " ca n't be verified online, on the phone or in person ''. I drive to a branch and the teller inside says she has heard from many people today about this and the wait time is long. I ask if they have been hacked. No answer to that. I explain I just want to know what my balance is, want to be able to access my account online and she verifies me with my state drivers license, recent deposit and i suppose the fact i have my account number memorized, and she writes down the balance for me. I ask if I go to the atm, pointing to the drive thru behind her, will it eat my card, or when I go to use it will it be declined at merchants today, she says no. So I am all set, except the next day when I try to log in, I get the same error message. I call, long hold times. I wait for a person to pivot up. I have never been so rudely treated by not one but two employees. The problem is yours, TD, verified after I went out of my way Sun to go to a branch and confirmed there that your system was having problems. XXXX in small business in Maine  office, as a manager who was to help after the offensive XXXX, did nothing to help, but piled on more abuse. I can not tell you the answer to a specific security question you are asking, but I can tell you many more things and did. Like the monthly check deposited on the XX/XX/XXXX every month each the amount. Or how frequently my employer deposits. Seriously, you have only one security question of your making not mine that I ca n't answer. I do not recall who I last made an ACH payment from this account because I do many in a month and have more then one bank I do this with! So here it is now Wed and I so have the same error message on a single correct attempt to view my account online.

Company response to consumer: Closed with explanation