vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OK

Complaint narrative:
Ditech has held XXXX for 6 months and keeps telling me they mailed a check 30 to 45 days ago i call its a different story everyone i talk to, they mailed it has been lost, then they tell me they will wire transfer it then it got mailed, or lost in the mail .it was in there system till XX/XX/2018, i was told it was mailed on XX/XX/2018. i have called and called they do nothing but tell me it has been mailed or lost in the mail, they can send my statements for making payments but cant return my money they owe me, Account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Every week I have a issue with on line or my atm I am feeling targeted this is my third ATM card and every time I try to check my accounts on line to stay on top of things there is limited access or I have to call in or go in to see some one. What is the point of the on line services if they never work.

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 2018-12-07 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:
Payments were posted in XXXX and XX/XX/2018 for my XXXX  account. Still there is 30 d late reported to Transunion/XXXX  and XXXX. I asked Transunion/XXXX  and XXXX  to investigate. They still keep show 30 day late.

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 2018-12-07 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: AL

Complaint narrative:
Equifax is allowing creditors to report false information on people credit reports. XXXX  has done the same investigation and these accounts were removed from my credit report however Equifax is reporting a false delinquency date to continue to report false information. I have two accounts in my report past the legal time frame. One for 10 years the other 7. I also have an account that has been paid that they want remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Payments were posted in XXXX and XX/XX/2018 for my XXXX  account. Still there is 30 d late reported to XXXX/Equifax and XXXX. I asked XXXX/Equifax and XXXX  to investigate. They still keep show 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Payments were posted in XXXX and XX/XX/2018 for my XXXX  account. Still there is 30 d late reported to XXXX/XXXX and Experian. I asked XXXX/XXXX  and Experian to investigate. They still keep show 30 day late.

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 2018-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
While working to close on a house, I received an email from an individual I thought was with my closing company along with another email address that appeared to be my realtor 's email address asking about wiring money for closing. After a few emails back and forth, I wired the money per the instructions provided due to email representing my realtor looking legitimate. The wire transfer occurred on XX/XX/18 for {$44000.00}. The wire went between USAA and XXXX  XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: HSBC NORTH AMERICA HOLDINGS INC.
State: RI

Complaint narrative:
Credit Card application Fraud. HSBC has a help line but I have been on hold every day this week for 3 hours each day and I cant get anyone to answer the phone. XXXX XXXX XXXX. 

They must have 3 people working the phone for thousands of calls and they DONT CARE ABOUT THE CONSUMER. 

The issue is my credit report shows unused lines of credit for {$200000.00} opened by a criminal. 

Please help me. if it helps. I have some old friends that you work with from the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I mistaking overlayed my truck payment on XX/XX/2018 causing it to be played off. I normally make my payment every month the same way with the same application. However after processing the payment I realized it played XXXX on the truck. I immediately called to stop payment but the bank told me they were not able to. The banker claimed she applied a request to reverse the payment. I called the bank every day to verify the process was going smoothly and every banker I spoke to has a different story. This morning a banker claims the loan account is closed and there original request for reversal was denied by the bank on Monday. I tried reaching out to my branch but the women in there claim the manager will call me back but do nothing.

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 2018-12-07 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: AL

Complaint narrative:
On XX/XX/2018 I submitted a certified letter to Experian asking them to provide me with the details involving their verification procedures. On XX/XX/2018 Experian says that they have completed their investigation process and they have found the accounts to be verified. Experian failed to provide me with information on how they how they went about their investigation process in order to verify the 2 XXXX accounts in question.

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 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems
State: IL

Complaint narrative:
On XX/XX/18 XXXX XXXX left a threatening voice mail on my cell phone. They told me I was going to be served court papers at my place of work for an old debt. I called there and they offered me a payment plan. What concerns me is the fact that they have my Social Security number. This is a very old debt and I'm sure past the legal limit to collect.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Billed for a XXXX XX/XX/2018 for 1 day stay XXXX. Insurance paid $ XXXX+to XXXX hospital XXXX , GaXXXX XXXX billed me nearly {$2400.00} after insurance paid. I questioned the amount as the bill had many!!!!!!! charges labeled XXXX supplies. I am a XXXX XXXX  familiar with the XXXX process.Though I did not agree with the charges, I made two monthly payments of {$100.00} online. In XXXX, I was called by a representative from XXXX XXXX demanding that I agree to pay {$220.00} dollars per month to have it paid in 12 months. I refused because I could not afford it. I told her that I would continue to pay the {$100.00} but she said that I could not pay what I wanted and that they determined what I should pay and her communication became hostile. At that point I felt harassed and hung up on her. 2 weeks later in XXXX, I got a call from medical bill collections. I attempted to pay online and found the account closed and not accessible online.I was blocked from paying XXXX directly. Now a company called XXXX XXXX XXXX XXXX is calling me repeatedly from a toll free number and making threats to ruin my good credit unless I pay in full. I think that my rights were violated by both XXXX and XXXX 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 2018-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/2010, I filed for bankruptcy because I was overwhelm dealing with Identity Theft with accounts that wasn't mine. Although I was dealing Identity Theft, my other creditors did penalize me for issues beyond my control. The identity Theft led to years of having to prove the accounts weren't mine and existing accounts with purchases not mine. After 24 months, I began to receive pre-approved credit in which I took advantage of. Unfortunately, there was so much breach from companies that had my information. It was necessary to use credit monitoring services but my information was still being used. Since there were still credit accounts opened in my name, I had all credit bureaus to freeze my credit report. The creditors with fraudulent accounts were not following instruction to contact me first before opening new accounts.

In XX/XX/2012, I received a XXXX XXXX XXXX credit card I applied for with a good credit limit in which the XX/XX/2010 bankruptcy appeared on my credit report. There is credit accounts disputed but reflected on the account. My credit report reflects great payment and credit history. Since all the credit history is same as when XXXX XXXX XXXX   credit ( Synchrony Bank ) approved the account, I requested a credit limit increase and it was denied. The reason for the denial is bankruptcy and past due accounts I've working very hard to remove from my credit report. I guess I do not understand how the same credit score and credit used to approved the account now be used for denials.

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 2018-12-07 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: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX  XXXX/XXXXwith no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Multiple credit inquiries on the report that were not authorized XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  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 2018-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have filled out a financial hardship form and explained my situation with the company. I sent it via fax XX/XX/2018. On today XX/XX/2018 I got notification that Penfed pulled my credit report without my authorization. They are further damaging my credit by adding a hard inquiry. This company needs to be stopped. I do not want to be contacted by phone any longer as they call excessively.

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 2018-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am requesting a written letter indicated the amount of my security deposit for a secured credit card from Capitol One. This information is not available in my customer profile on the website. 

XX/XX/2018 I called customer service on XX/XX/2018 around XXXX and spoke with XXXX ( XXXX ). She indicated that there is nothing available to allow her to send me a letter indicating the balance. She also indicated that there was no one further that I could speak. 

XX/XX/2018 I sent a letter to Mr. XXXX XXXX President of Retail & Direct Banking Capital One Financial Corporation XXXX Capital One XXXX, XXXX, Virginia XXXX requesting a written verification of my deposit. 

XX/XX/2018 - I got a call from XXXX. from the executive offices who said he would investigate XX/XX/2018 XXXX confirmed that I would receive a verification letter in the next 7 to 10 days. 

XX/XX/2018 - I talked with XXXX who said the letter would be emailed. But I got disconnected while on hold. I called back and got another rep who transferred me to XXXX. XXXX said that I would receive the verification letter in 7 to 10 business days. 

As of XX/XX/2018 I have not received the verification of the amount of my security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
This loan was made in good faith, however I became ill and required surgery. I could not pay full amount of payments and was told that if I made " good faith '' payments then they would keep it off my credit report. The original amount was {$5000.00} ( XX/XX/XXXX ) and I have made good faith payments and they are showing my balance {$4600.00} ( XX/XX/XXXX ) and they reported this debt as a bad debt charge off to the credit agencies. I have filed dispute with all agencies. I did call, and the company re-signed a contract with me and I am making payments of {$520.00} a month. I have made payments but they still are showing this debt as a bad debt on my credit reports. They threatened to report this and no matter what I did to resolve the problem my credit is now tanked. My score today is XXXX. The company will not take this off of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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:
I have a loan with XXXX XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX  XXXX/XXXXwith no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

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 2018-12-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
I do have credit card name XXXX under Continental Finance. I joined the XXXX XXXX for credit counselor in XXXX. The CF accepted our program for make payment plan for XXXX dollar every month. The Fee, Late Fee and High interent are suppose to removed it since I am in credit counselor program. The started payment in XX/XX/2018. Made payment XXXX dollar to CF every month since XXXX to now. They havent removed the fee, fee late and others since XXXX. They keep charged me on XXXX monthly fee, XXXX on late fee and high interent XXXX it is almost XXXX dollar from XXXX to now. My credit card balance last time is XXXX to joined the credit counslor last XXXX. Now my balance is XXXX during credit counselor program. Last XXXX, I asked them to removed fee and high interent. They said they need to get XXXX payment then will remove it but They didnt remove. They should removed it during XXXX. Also I got XXXX letter from " collection '' for CF warned me about pay. I told them that I am in program so They didnt listen.

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 2018-12-07 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: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

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 2018-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX   with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America gave me the worst banking experience I have ever had. I had an auto loan that I was trying to pay early. I was paying a car loan off in full. I submitted a payment of {$2100.00} ( 10 day payoff balance ) which they took out. They then took {$2100.00} ( principle balance ) from my account, which caused my checking to go negative, causing overdraft fees. They Charged me for the Principle balance of the loan, AND the 10-day payoff amount. I entered the 10 day pay off amount. You have to physically type the amount. Bank of America tried telling me that, I physically typed both amounts within 1 minute of each other. I would have never done this. I also have my internet history which proves I only went to the make a payment page once. I had to sit on hold for 4 hours one day for them to even recognize they double charged me. A supervisor called me back the next day, and placed me on a 2 hour hold.  Then said they would cut me a check for the {$2100.00} a MONTH later. The extra {$2100.00} they took out caused penalties, bad checks and embarrassment. These fees resulted in {$150.00}. BoA refused to pay them back. I keep my money in multiple checking accounts, that is why I didn't have enough to cover the extra charge. Worst customer service experience ever. I had to sit on the phone for 5-7 hours just for them to confirm that they took additional money from 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 monetary relief