vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-05 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Due to the fact that I am a victim of identity theft, I contacted the XXXX  credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask XXXX XXXX XXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with XXXX XXXX XXXX is still currently reporting on my XXXX  credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 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: MA

Complaint narrative:
I am writing to request that Transunion update an inaccurate account on my credit report. An investigation was conducted into the inaccuracy of XXXX ( Acount:XXXX ). Transunion has failed on 6 occasions to investigate, and correct the inaccurate reporting of the late payments that are appearing on my credit report. On XX/XX/XXXX I received a letter from Transunion, dated XX/XX/XXXX, stating that this account had been verified and updated, but no changes were made. This negligence has caused my credit score to drop dramatically, because this account is reporting previous late payments when in fact it was NEVER late. I contacted XXXX in order to conduct my own investigation. XXXX corrected the inaccurate delinquencies and updated my account. Attached, you will find a letter that clearly states that the account is paid, closed and that ALL inaccurate delinquent reporting has been removed and replaced with ALL on time payments. 

They also stated that they sent you and updated on XX/XX/XXXX. Please review the attached letter, and update this account. I will be monitoring this closely, as this should take no longer than 15 days to correct. I would also like for an updated, corrected credit report be sent to me within 30 days.

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 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: VA

Complaint narrative:
This account was open, for my ex husband, he used my information without my consent. 
during the time was open I was living in another country, I knew about this only a few months ago, I called company provide my cell number because I was told they didn't know the agency with my case and they will call back. nothing happened!! how can they have this for such a long time hurting someone credit and they have no clue how agency is collecting this or where to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My husband and I returned from vacation on XX/XX/XXXX and upon opening our mail we discovered a lot of our bills had been doubled, I called the bank and non of the checks had been cleared and rather than place a stop payment I was advised by the bank to call the USPS to see if they've been having any issues. I called the USPS and I was told they had been having a lot of mail theft. I went to the bank and closed and opened accounts and the following day XX/XX/XXXX. I filed a claim with the USPS and I called all of the consumers and informed them of the mail theft and took care of my payments with my new account information and thought all was well. We are in the process of refinancing our house and on the credit report XXXX  XXXX XXXX reported us being 30 day late, which is affecting us from refinancing our home. I've called XXXX XXXX XXXX numerous times, I spoke to XXXX on XX/XX/XXXX and  she spoke to her manager XXXX and I was informed they were filing a claim with back credit office. I was told to follow up in a week, I called XX/XX/XXXXand spoke to XXXX and she was advised by her manager XXXX to fax over any documentation that I had regarding this matter and to call her to inform her that I had faxed over the information. I would constantly get her voicemail leaving messages and after several days XXXX called me back on XX/XX/XXXX,  asking me what all had happened and he said unfortunately when I had called the first time and they wrote the credit department they did not include detailed information. XXXX told me he would then submit a new request. XXXX called me the following day informing me that my claim had been denied. He then explained that once it's been reported as a late payment it's difficult to reverse due to the auditors. I asked how is that my fault and that this is something we couldn't control, how can we control mail theft. XXXX said I had other alternatives ... he said I could of done banking online and automatic payments and he kept referring to his auditors. I am a consumer and I am being affected due to mail theft, something that was totally out of our hands and XXXX XXXX XXXX saying I had other alternatives. The USPS has made it clear that they've been having issues since XX/XX/XXXX. I asked the Post Office why they haven't posted anything on the drop box informing everyone and I was told it is government property so they are not allowed to. We have lived in our home for 18 years, we have plenty of equity and all we are asking is that the 30 day late be removed and corrected with the 3 bureaus, Experian, XXXX and 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 2018-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Quick Debt Services LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I recieved a phone call from a 3rd party servicer called Student loan support center.On XX/XX/XXXX I made my first payment of {$59.00}. We made an agreement that every two weeks until XX/XX/XXXX i would pay them {$59.00} and these funds would go toward my student loans to get it out of default. They failed to mention that this was a service charge.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-05 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: NJ

Complaint narrative:
XXXX XXXX is not reporting my account on my credit report. Please make sure this account is being reported ASAP!! The account number is 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 2018-03-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX is not reporting my account on my credit report. Please make sure this account is being reported ASAP!! The account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX is not reporting my account on my credit report. Please make sure this account is being reported ASAP!! The account number is 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 non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
In XX/XX/XXXX, my 3 bedroom mobile home was repossessed by GXXXX XXXX XXXX after I paid well over amount financed {$17000.00}. I called to ask them my payoff and they gave an outrageous price and company financed in my cousins name when initially he was my cosigner which they never corrected. The mobile home sales person gave me all the information and told me to call the finance company for questions due they had been paid. Green Tree called back in two weeks stating they were pulling the home for no payment. I had already paid on this home since early XX/XX/XXXX's. It was first financed under another company, then XXXX XXXX, then XXXX XXXX XXXX. I asked them what happened to all the money I paid XXXX XXXX  and they stated it was transferred to Green Tree. I was taken for thousands of dollars and still haven't heard anything from them. I called for up to two years now and still no settlement to me as promised. This is simply fraudulent and now they are stating they are Ditech. How do I get my money back? This is so unfair. I even called consumer affairs and channel 5 news to report. Please assist me with my issue by responding who I should contact to resolve this. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Called Capital One Customer service on XX/XX/2017, to take advantage of 0 % APR for 12 months with a 3 % balance transfer fee. 

I did 3 balance transfers. All 3 were posted on XX/XX/XXXX. 

XXXX Card for {$7500.00} XXXX Card for {$9200.00} with 3 % fee at {$270.00} XXXX Card for {$5200.00} with 3 % fee at {$150.00} The XXXX Card Balance Transfer for {$7500.00} was erroneously done at 21.90 % purchase interest rate. After 2 billing cycles of " research '' and no call back to myself, Capital One claims they " listened to the call '' and that I had agreed to this interest rate. 

I have done multiple transfers at 0 % on the SAME call ... Capital One is relying on trapping me in a moment of weakness on a phone call that had 3 separate terms and conditions read to myself, including 2 at the proper 0 % interest rate. 

Please reach out to Capital One and research that phone call, and find out what it is they are doing to correct this issue. This ends up being {$1600.00} issue over 12 months and Capital One reaps the benefits of slimy phone behavior. 

Thank you. 

-XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have a HELCO where the draw period ended in XX/XX/XXXX. The HELOC became amortized at that time. Months before, I requested Bank Of America agree to reduce the amount of the amortized payment, possibly amortizing the amount over a longer period. 
In 10 years I never made a late payment and did not ever want to be late. I just want to repay the loan, making a payment I can afford. 

Bank of America rejected this, stating I had shown no need for this request, and did not fit their delinquency program requirements. 

In a mostly boiler plate letter, the representative, XXXX XXXX, said if circumstances changed, reconsideration may be available. I sent her a letter on XX/XX/XXXX, showing a change in circumstance. Not hearing from her, I left a voice mail on XX/XX/XXXX and again on XX/XX/XXXX. Still not hearing from her, and having no main phone number to call, I left a message on the voice mail of XXXX XXXX, letting her know I knew this was not the correct extension, but hoping she would have the courtesy to call me back and refer me to the correct person. Again, she has not called me back. Apparently, the only way to get Bank of America to respond, is to file a complaint.

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 2018-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
OnXX/XX/XXXX, I received notification that 4 inquiries were reinserted into my transunion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

These are all old inquiries that were already on my account, but had since been removed.

Transunion reinserted them, hurt my credit score and failed to notify me in writing of these changes.

I called transunion today to request they remove these inquiries, and they claimed that I was not affected by the transunion inquiries glitch and that there was nothing they could.

I saw a hit to my TU credit score from them reinserting these old inquiries, and would like them to be removed, as transunion is violating section 611 of the fair credit reporting act via their failure to notify me in writing of the reinsertion of these inquiries. Attached is a copy of my inquiries from my official credit report from XXXX showing that the aforementioned inquiries are not showing up anywhere but TU. also attached is the notification I received showing the reinsertion of the scores, and that they were reinserted this past XX/XX/XXXX. these inquiries were made back in XX/XX/XXXX, and should not be reinserted.

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 2018-03-05 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Hello I am doing this complaint because I have old accounts and collections and the companies are constantly illegally reaging the accounts I've had no contact with them directly and no reason for them to keep free aging the accounts on top of that they are constantly reporting late payment history on the accounts further damaging my credit history I am legally XXXX I don't make much money and these accounts are severely hurting my opportunities to be able to rent or purchase a decent home for my child to have a happy life if you guys can please help me with this it will be greatly appreciated because he's collection companies now and days don't care how badly they ruin your life I was a victim of identity theft and that hurt me quite a bit as far as my credit history goes and it's been very difficult to fix the problem on my own because I do not have funds to pay somebody for credit repair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I did not sign up for a capital one card which is now on my credit and I cant dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Company has constantly and harassed me about payment they were threatening me with arrest send me constant letters about payment but I never signed paperwork with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
In XX/XX/2017 I received a notice from Professional Bureau of Collections of Maryland , Inc. claiming that they had purchased my student loan debt and offered me a chance to settle the debt for a lower amount. This is not possible as 4 years ago I consolidated my student loan debt through XXXX  and have been paying it off ever since.

I sent them a letter requesting validation of the debt and never got a response. Since I have no outstanding debts and since they were unable to verify my request I can only assume that this is either fraudulent or a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I have been trying to remove the PMI payment off of our mortgage and called to confirm the amount over & above the mortgage payment that would bring our loan to value to below the required 78 % on XX/XX/XXXX I was told it was {$12000.00} and we qualified as we have had the mortgage over 5 years and never missed a payment! I transferred the monies and it was in our mortgage account on XX/XX/XXXX I have the confirmation from XXXX XXXX, I have emailed 5 times and called 5 times and now spoken to a Supervisor called XXXX  ID Number XXXX and they are telling me I now have to wait until XX/XX/XXXX! to get my refund back when they are still charging me for the PMI when I have contacted them numerous times to have it removed and refunded. Please can you help me.

They ignore my emails, they ignored my written correspondence, they have never returned any of my calls, yet they have charged me {$230.00} x 2 PMI and still continue to charge when my LTV is lower, I did not pluck that amount out of the sky to reduce my mortgage they told me the amount, they record all their calls so they need to listen to them and refund me the money they are charging me, I have wasted hours and days on this, I pay my mortgage I have never missed a payment and yet they penalize 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 2018-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MS

Complaint narrative:
Company has constantly and harassed me about payment they were threatening me with arrest send me constant letters about payment but I never signed paperwork with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I purchased some Litecoin ( a cryptocurrency ) through Coinbase on XX/XX/XXXX and the transaction has been in " pending '' status to this day XXXX XX/XX/XXXX ). I've sent 4 emails over the course of the last 4 months regarding this issue with little to no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Hello I am doing this complaint because I have old accounts and collections and the companies are constantly illegally reaging the accounts I've had no contact with them directly and no reason for them to keep free aging the accounts on top of that they are constantly reporting late payment history on the accounts further damaging my credit history I am legally XXXX I don't make much money and these accounts are severely hurting my opportunities to be able to rent or purchase a decent home for my child to have a happy life if you guys can please help me with this it will be greatly appreciated because he's collection companies now and days don't care how badly they ruin your life I was a victim of identity theft and that hurt me quite a bit as far as my credit history goes and it's been very difficult to fix the problem on my own because I do not have funds to pay somebody for credit repair

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: CL Holdings LLC
State: FL

Complaint narrative:
Hello I am doing this complaint because I have old accounts and collections and the companies are constantly illegally reaging the accounts I've had no contact with them directly and no reason for them to keep free aging the accounts on top of that they are constantly reporting late payment history on the accounts further damaging my credit history I am legally XXXX I don't make much money and these accounts are severely hurting my opportunities to be able to rent or purchase a decent home for my child to have a happy life if you guys can please help me with this it will be greatly appreciated because he's collection companies now and days don't care how badly they ruin your life I was a victim of identity theft and that hurt me quite a bit as far as my credit history goes and it's been very difficult to fix the problem on my own because I do not have funds to pay somebody for credit repair

Company response to consumer: Closed with non-monetary relief