vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I spent the greater part of an afternoon last week ( and I also made this report to the XXXX  ). I was checking my credit report on Transunion and creating tasks for them to investigate many accounts that were closed and old and still on my report. I also called transunion and spoke to someone I had a very hard time understanding this person. I don't understand why they put people like that in Customer Service! I explained I have multiple inquiries on several accounts the rep told me there was nothing they could do for me and directed me to contact the company and get letters to release these and send to Transunion. Later on in the day I went back into the account and all of the investigation inquiry flags had been removed evidently they were too lazy to work the accounts so they just deleted them. It is apparent to me that all they care about is selling our personal information to the world and how much money they make doing it.

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 2019-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I began the process of refinancing my auto loan with my bank, PNC, on XX/XX/XXXX. I decided to go into the bank to conduct the transaction rather than do it online because I was unsure of how to correctly refinance my auto loan. I went to my local PNC Bank ( located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX, inside of a XXXX XXXX ). My banker, XXXX XXXX, seemed to be inexperienced which led to me making 4 trips to the bank altogether to complete this refinance as he constantly made mistakes which required me coming back into the bank to fix. I received a letter from PNC on XX/XX/XXXX which stated that they had sent XXXX ( who my auto loan was initially with ) a check to pay off the remaining balance of my auto loan with them. On XX/XX/XXXX, I received a letter from PNC requesting the original title on my vehicle and the lien release document. I did not have the lien release, so I called XXXX requesting it XX/XX/XXXX. At this time, XXXX informed me that PNC paid off my auto loan {$970.00} short, and that balance was incurring interest every day. They also sent the money to the wrong department at XXXX, so it was processed as a regular payment and not a payoff. I contacted PNC about the matter shortly thereafter and the bank ( some bankers involved include XXXX XXXX, XXXX XXXX and XXXX XXXX ) told me that they did not verify the amount that my loan was supposed to be refinanced for so that is why this issue occurred. They told me that the only option was for me to refinance the auto loan again, using the correct amount of money. However, I have since lost my job and not able to get another loan right now. Today, XX/XX/XXXX, was my last attempt to contact PNC and explain the issue. They refused to help me at all, and said the only thing I can do is refinance the loan with them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XXXX.18 by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 

The following is the fraudulent account with late payments/charge-offs status that I need removed by this company : 1.XXXX XXXX  XXXX , ACC # XXXX, Year XXXX, Make XXXX, Model XXXX XXXX, Serial XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX.18 and my small claims forms, in case they need to reference or review.

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 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XXXX.18 by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 

The following is the fraudulent account with late payments/charge-offs status that I need removed by this company : 1.XXXX XXXX  XXXX , ACC # XXXX, Year XXXX, Make XXXX, Model XXXX XXXX, Serial XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX.18 and my small claims forms, in case they need to reference or review.

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 2019-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
The interest is very high and almost unmanageable with my fixed income. I did send XXXX XXXX a copy of my Award letter.

The federal SCRA allows service members to cap the interest rates on most of their preexisting loans or obligations at 6 % per year while on XXXX XXXX. The 6 % interest rate cap applies to mortgages, credit cards, car loans, other installment loans, and some student loans. " Interest '' includes fees and other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I had a vehicle repo in XX/XX/XXXX, I had to pay a large payment and fees to get my truck back which I did within 24hrs, XXXX XXXX will not fix my payment history which on the credit bureau shows 12 more late payments than it should be, my history should be good since XX/XX/XXXX but it shows XX/XX/XXXX, I received a payment history as requested by mail from XXXX XXXX but they wont fix the issue with the credit bureaus so I filed a dispute with each bureau and it has never been fixed, it is a joint loan so this has affected mine and my wifes payment history, the only thing that happened with my dispute is that XXXX XXXX deleted the account on my side which lowered my score because of aged credit history but its still on my wifes credit report with the wrong payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/XXXX, I called Synchrony Bank to make a payment arrangement for a bill that was not overdue. I then found out that they randomly lowered my available credit amount based on a credit report they ran for me. This in turn lowered my credit score, which in turn causes them to lower the credit limit on yet ANOTHER credit card i had with them and AGAIN impact my credit.

They have no explanation and Id like to know how this is remotely fair, as it seems like a 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
Consumer complaint received 2019-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: DFC Global Corp.
State: CA

Complaint narrative:
The interest is very high and almost unmanageable with my fixed income. I did send XXXX  XXXX a copy of -My Award letter. 

Loan Disclosures : Annual-123.99 % Finance Charge- {$7100.00} Amount Financed- {$2500.00} Total Payments- {$9600.00} Payments- XXXX Amount- {$260.00} LEGAL ARGUMENT : The federal SCRA allows service members to cap the interest rates on most of their preexisting loans or obligations at 6 % per year while on XXXX XXXX. The 6 % interest rate cap applies to mortgages, credit cards, car loans, other installment loans, and some student loans. " Interest '' includes fees and other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: GA

Complaint narrative:
I have sent numerous ( 11 ) certified and Notarized letters to Equifax to correct errors found on my credit report but to no avail, the reply Ive gotten back is " The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity ''. I have repeatedly requested the names, addresses and telephone numbers of individuals Equifax contacted during their investigation repeatedly advising any automated response or XXXX verification is unacceptable and again still no avail. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Repeatedly, I have asked Equifax with written notices requesting a correction on my report. Repeatedly, reporting incorrect information Equifax refuses to correct. I have sent copies of my identification to include Drivers License and SSNcard repeatedly. Again, failure to correct. After several ( 11 ) unsuccessful letters, I have experienced tremendous stress and anxiety as a result of multiple attempts to correct Equifaxs false reporting and failure to correct such errors which my identification has repeatedly been provided and the letters sent were Notarized. The entire experience and repeated attempts for correction have imposed upon my significant distrust, frustration, and distress, and has rendered me hopeless as to my ability to regain my good name and the credit rating that I deserve and has worked hard to earn. My requesting that Equifax delete specific items in my credit file that is blatantly inaccurate, by failing to conduct a reasonable investigation into my disputes in this regard, Equifax willfully and/or negligently violated the Fair Credit Reporting Act 611 ( a ) 15 U.S.C. 1681i ( a ) ( 1 ) with respect to each dispute lodge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had a vehicle repo in XX/XX/XXXX, I had to pay a large payment and fees to get my truck back which I did within 24hrs, XXXX XXXX will not fix my payment history which on the credit bureau shows 12 more late payments than it should be, my history should be good since XX/XX/XXXX but it shows XX/XX/XXXX, I received a payment history as requested by mail from XXXX XXXX but they wont fix the issue with the credit bureaus so I filed a dispute with each bureau and it has never been fixed, it is a joint loan so this has affected mine and my wifes payment history, the only thing that happened with my dispute is that Trans Union deleted the account on my side which lowered my score because of aged credit history but its still on my wifes credit report with the wrong payment history

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 2019-01-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I had a vehicle repo in XX/XX/XXXX, I had to pay a large payment and fees to get my truck back which I did within 24hrs, XXXX XXXX will not fix my payment history which on the credit bureau shows 12 more late payments than it should be, my history should be good since XX/XX/XXXX but it shows XX/XX/XXXX, I received a payment history as requested by mail from XXXX XXXX but they wont fix the issue with the credit bureaus so I filed a dispute with each bureau and it has never been fixed, it is a joint loan so this has affected mine and my wifes payment history, the only thing that happened with my dispute is that XXXX XXXX deleted the account on my side which lowered my score because of aged credit history but its still on my wifes credit report with the wrong payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I had a vehicle repo in XX/XX/XXXX, I had to pay a large payment and fees to get my truck back which I did within 24hrs, XXXX XXXX will not fix my payment history which on the credit bureau shows 12 more late payments than it should be, my history should be good since XX/XX/XXXX but it shows XX/XX/XXXX, I received a payment history as requested by mail from XXXX XXXX but they wont fix the issue with the credit bureaus so I filed a dispute with each bureau and it has never been fixed, it is a joint loan so this has affected mine and my wifes payment history, the only thing that happened with my dispute is that XXXX XXXX deleted the account on my side which lowered my score because of aged credit history but its still on my wifes credit report with the wrong payment history

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 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems
State: MD

Complaint narrative:
I was recently notified by XXXX XXXX that there were four delinquent accounts that were placed on my credit report by " MIDWEST RECOVERY SYSTEMS ''. This account balance that they are reporting delinquent was " Paid in Full '' in XX/XX/2016 over 2 years ago. 

As a result, my good credit score between 730-740 was dropped to 680-690. Additionally I have a XXXX XXXX Clearance and am currently going through an investigation that will check my credit report and could effect my clearance since my investigation asked me about my financial credibility and is part of my investigation. I also am applying for a home loan and this couldn't come at a worst time. 

The problem that I have with this is that MIDWEST RECOVERY SYSTEMS never sent me a letter of notification giving me the opportunity to dispute these accounts and show proof. They just immediately put this on my credit report. It is my belief this is an attempt to force me to pay an invalid account to clear my credit report. A scam basically. Normally credit collection agencies send out a letter to validate a reported debt. 

I find this to be a violation of my rights to dispute and defend myself. Trying to destroy someones credit report appears to very illegal. MIDWEST RECOVER SYSTEMS did not take the proper and normal steps to validate the debt most likely because they know that there is no debt and just putting it on my credit report would be threatening and force me to give them money. I want them to be investigated as I see there process of non-notification as very illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Freedom Mortgage is attempting to take my home from me through the foreclosure process, even though they have never provided me with any sort of mortgage assistance on my FHA loan. Every time I have tried to work with them, they claim that they did not have all the documents to perform a review for assistance. However, I gave them every scrap of paper and bit of information they requested. They are just unwilling to get this done and I am shocked at their incompetence. I have an FHA loan and there are very clear guidelines on how a loan should be treated, but they are just trying to foreclose on my home and take away my equity. I have never had a single point of contact and they act like a bunch of thugs and baboons. I have reached the end of my resources and am in the final stages of foreclosure. I have done everything I can to work with them, but it is an act of futility. I went through some difficult times financially when I lost a large contract and then I had a nightmare of a tenant who wouldnt pay rent or leave the property. I have now resurfaced financially, but Freedom Mortgage is unwilling to work with me to modify my loan. I have never had a single point of contact and had to work with different people every time I contacted them. No one had control over my request for mortgage assistance and nothing got done. Freedom Mortgage isnt willing to help me and is taking me through the foreclosure process instead. The only option they have given me is to fully reinstate my loan, but this is impossible. I would really like to see if your organization would be able to take a look at how they are treating me and to see if there is something that can be done to help me save my home.

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 2019-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We have been working with a HUD counselor since XX/XX/XXXX. In XX/XX/XXXX a lis pendens was put on our property. We have submitted all documents requested by Freedom Mortgage and they have been ve19ry slow to respond, We have asked them to allow us to pay our mortgage as they keep telling us we are responsible for payments during the slow process of evaluating our circumstances, but they will not accept any payments from us. The process of resubmitting documents went in for 3 months and we couldn't make any payments during this time. On XX/XX/XXXX we received a letter stating that we could not prove our case. We had requested that since we didn't receive the promised help during Hurricane Irma, we requested to have several payments put on the end of the loan, since we were out of work and had expenses due to the storm. We also had family members diagnosed with XXXX and several deaths which required us to travel. We could not produce every receipt they wanted because we didn't expect to end up in this situation, so they denied our claim and have told us that our only two options are to do a pre-foreclosure sale or a deed-in-lieu.

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 2019-01-23 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 have closed account information : deemed as fraudulent. Actively preventing the true owner of this identity embarking on important verified business expenditures.

please return my credit to an acceptable state in order for redemption. 

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 explanation