vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I asked XXXX  and Equifax to confirm and or remove a Chapter XXXX off my credit. It has been removed by XXXX. The bankruptcy will be 7 years old in XX/XX/XXXX. On previous reports they indicated that it would be removed by at least that date. Then they told me XXXX - who ever that is confirmed the bankruptcy was correct. that was not my request nor did I get the report I request from they by a XXXX XXXX. I have corrected my credit and on the right track since XX/XX/XXXX. On my credit report Equifax has the file date as XXXX/XXXX/XXXX - a mistake ; it was filed XX/XX/XXXX If one agency can remove this why can XXXX and Equifax. Especially with the recent breaches of millions of credit report. why would an unknown company have access to my credit file who or what is XXXX XXXX XXXX. Now that I'm looking at my credit all XXXX did was pull my credit report because they are on they as an inquiry. It's unbelievable these company are having another company pull my credit report to verify my credit report that they are report. HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I asked Experian and XXXX to confirm and or remove a Chapter XXXX off my credit. It has been removed by XXXX. The bankruptcy will be 7 years old in XX/XX/XXXX. On previous reports they indicated that it would be removed by at least that date. Then they told me XXXX - who ever that is confirmed the bankruptcy was correct. that was not my request nor did I get the report I request from they by a XXXX XXXX. I have corrected my credit and on the right track since XX/XX/XXXX. On my credit report XXXX has the file date as XXXX/XXXX/XXXX - a mistake ; it was filed XX/XX/XXXX If XXXX agency can remove this why can Experian and XXXX. Especially with the recent breaches of millions of credit report. why would an unknown company have access to my credit file who or what is XXXX XXXX XXXX. Now that I'm looking at my credit all XXXX did was pull my credit report because they are on they as an inquiry. It's unbelievable these company are having another company pull my credit report to verify my credit report that they are report. HELP

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 2018-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc.
State: OK

Complaint narrative:
there claiming a breach on rental lease and that i owe XXXX that the origianal amount is XXXX and the dates are wrong i disputed no responce from them but credit bureau said they certified accurate but wont send information used to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HSBC Bank sent UNSOLICITED " Prescreened-approved Master Card credit card that advertised 0 % APR forRef. : Master Card acct # XX/XX/XXXX On XX/XX/XXXXmy referenced account was charged with {$18.00}. I called their Customer Service and to my surprise and dismay I was informed that it is interest on my balance of my card. I opened this account only because they UNSOLICITED, mailed me an offer with 0 % APR. Nowhere in that offer it was mentioned the interest rate for purchases but ONLY that 0 % APR on Balance Transfers only misleading me to believe that 0 % applies on purchases as well. This is a masterful technique to mislead the consumer to believe so by omitting the proper information and it is misleading, immoral and borderline fraudulent. After receiving my Credit Card, I again called Customer Service to verify that 0 % APR as well as its expiration date, in order to proactively protect my self from any deceitful, well by now aware of such practices through my past experience with financial institutions, and I was again notified of the 0 % APR, again with no disclosure or distinction to purchases. 

As a result, on XX/XX/XXXX I electronically paid the amount of {$2800.00} effective due day. This amount paid off and in full my credit card account/balance re reference with the exception of the {$18.00} of the improper, deceitful, and fraudulent Interest Charge. This practice is not only immoral but illegal and I reserve the right to report this practice to the proper authorities and/or regulatory agency/ies. 

I sent to the Bank a registered letter disputing the charges due to deception. They have now sent me a bill with balance of {$37.00} including outrageous penalties and denying that they ever received my letter mailed to them registered Tracking # XXXX on XX/XX/XXXX. 

This Bank is practicing deceptive, illegal and immoral promotional practices to lure consumers in and charge outrageous fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
TO WHOM MAYBE CONCERN I AM NOT YELLING I JUST CAN TYPE FASTER THIS WAY PENNYMAC LOAN SERVICER DOES NOT SEND ACCURATE MORTGAGE STATEMENTS THEY ALSO DO NOT ISSUE THEM ON THE CORRECT AND REGULAR BASIS THEY DO NOT SEND THEM AS PER THE FHA, HUD AND TRADE COMMISSION LAWS IF YOUR LAST DAY TO PAY YOUR MORTGAGE BEFORE YOU ARE CHARGED A LATE FEE WOULD BE ON THE XXXX YOUR NEXT STATEMENT SHOULD BE SENT AFTER THE XXXX  AND NOT A DAY SOONER. I BELIEVE THEY TOOK A LOAN OF MINE THAT WAS TO CLOSE IN XX/XX/2015 I HAVE DOCUMENTS THAT YOU CAN SEE THAT THE LOAN NUMBER ON MY HOME FLOOD INSURANCE GO FROM THE XXXX XXXX XXXX RIGHT BACK TO PENNYMAC ALSO MY HOME INSURANCE THE LOAN NUMBER WAS ON THAT AS WELL FOR A WHOLE YEAR SO I ASSUME THAT THEY STOLE MY MONEY ALSO MY PENNYMAC LOAN ALL TRANSACTIONS SHEET DOES NOT LOOK ACCURATE THERE IS NOT A CONSISTANT AMOUNT OF FUNDS GOING IN THE ESCROW ACCOUNT THEY HAVE COMPLETELY STOLEN FROM ME FOR YEARS ALSO MY LOAN IS A FHA LOAN AND THERE IS NO WAY THAT MY FHA LOAN HAS GONE FROM A XXXX  WHEN IN FACT IF I DID NOT GET THE LOAN TO XXXX   ALSO ON THE ALL TRANSACTION SHEET THE ERASED A LOT OF TRANSACTIONS THE IS SO MUCH HANKY PANKY GOING ON WITH MY HOME LOAN PENNYMAC HAS NO BUSINESS IN MORTGAGE SERVICING AT ALL.AND IT IS TOO COINCIDENTLY MY PAYMENTS ALMOST MATHCED WHAT THEY DO NOW MINUS THE CEDIT CARDS SO IM SURE THE STOLE MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I notified Navy federal  in earlyXX/XX/XXXXthat I was a victim of Identity theft. First starting with my sister filing taxes under my name and social to get a refund. I had an ftc and police report done then. I next was a victim of 2 data breaches one inXX/XX/XXXX and the XXXX breach in XXXX. When I notified them immediately that there was a problem with my account, they started an investigation, and sent me a letter telling me my card was closed and what I needed to provide. Which I did and this was about 2 years ago. They still didn't fix my account. The second time I marked every transaction that wasn't mine, for their review still nothing.. I stayed on top of this. I spoke to many people from customer service to fraud. I was not paying a balance I didn't owe. My account was closed in XX/XX/XXXX. But they still kept paying ebills, and charging more fees, When an account is closed nothing more should be happening with it. They made that mistake. They need to bring the account current, get it out of collections. and take it off of my credit report. It was due to the fraud the account was out of control and they wouldn't do anything to stop it, except make it worse. I am attaching all cases and their results. Every answer they have provided has not even sounded like they have tried to do anything, I will take this to the attorney general a second time. and the ftc again, they just allow Navy Federal to get away with this and it isn't fair, When it says they take this kind of thing seriously, I have no idea who they mean, because they are even willing to take money from their own soldiers which the CFPB did get them for. So it is obvious they don't care about their customers, just putting is in dept and leaving us there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
Well starting XX/XX/18 Sps XXXX XXXX is increasing my interest rate on my mortgage from 6.750 % to 7.250 % so that increases my mortgage from XXXX XXXX to XXXX. I feel that's too high of a increase in my interest rate for my mortgage it seems like they're trying to really balloon my payment now and it's going to take me forever to pay off this mortgage loan they have silently increase my interest rate I don't think it's good for me or any consumer that has to pay more than their fair share are there mortgage I pay on time every month with no problem thanks. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Motolease, LLC
State: GA

Complaint narrative:
Keeps showing late payments history. XXXX/Motolease LLC will take it off one month and the next month it will appear back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There have been several hard inquiries on my tranunion report. I contacted them to have them removed but they haven't.. I have frauds alert on my credit report so no inquiries should have been made without contesting me first. 2 times cycle nation has pulled my report.. one tone for XXXX XXXX XXXX. And one 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 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Keeps showing late payments history. Transunion/XXXX XXXX will take it off one month and the next month it will appear back on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I went through the process on www.annualcreditreport.com and asked for 2 free annual credit reports : XXXX and Transunion. I got the XXXX report, but this is the 2nd time in 2 years I was unable to review my Transunion report. They ask questions that are not answerable : they asked under what name I have used for credit and the ones they suggested are incorrect and ... 

HOW CAN I KNOW WHAT INCORRECT NAMES THEY HAVE RECORDED FOR ME WITHOUT SEEING THEIR REPORT??? 

Also, every one of the 3 first questions they asked were " NO, does not apply to me ''. 

So I went of TRANSUNION web site to request it there, but on the 2nd step, they asked for a credit card number ( which by the way, they made no mention of price!! ). ALSO, they forced me to *not* use spaces in my own name on their web site ... which my name does have!!! That's not a technical limitation anywhere in 2018 except with a company that obviously is discriminating against non-Anglo people. 

Transunion is I believe FRAUDULENT. BTW, my credit score is above 800, so this is not about anything else than me wanting to review what they have in my credit file. From the problems I've experienced now TWICE over the years getting access to MY information, I suspect problems in the file.

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 2018-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
ON XX/XX/2018 I CONTACTED BANKER XXXX XXXX AT CHASE BANK IN XXXX, NY TO LOCK IN MY INTEREST RATE. AFTER A LENGTHY DISCUSSION, I WAS INFOMED THAT CHASE WOULD BE LOCKING IN MY RATE WITH NO POINTS. THE BANKER REQUESTED THAT I SEND HIM AN EMAIL AS CONFIRMATION THAT IM LOCKING IN THE RATE WITH NO POINTS AND I DID SO. I RECEIVED A LETTER FROM THE BANKER ON XX/XX/XXXX STATING THAT I HAVE LOCKED MY INTEREST RATES IN WITH POINTS. I ALSO WAS INFORMED AT THE BEGINNING OF THE LOAN PROCESS IN XX/XX/2018 THAT I WOULD NOT BE PAYING ANY POINTS AND WHEN I RECEIVED MY COMMITMENT LETTER ON XX/XX/2018 IT CLEARLY STATES THAT THE ESTIMATED POINTS ARE 0.00 %. I HAVE NOT BEEN ABLE TO REACH THE BANKER XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I wish to file a complaint against Freedom Mortgage Company. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, NJ XXXX United States Lender NMLS ID : XXXX The companys handling of my simple request for a payoff of my deceased mothers mortgage has been despicable. I have provided the company with the documentation requested including death certificate and letters testamentary showing me as the legal and only executor of my mothers estate. It feels very much as though, for some reason, the company is stalling. Interest is, of course, accruing as this process drags on. Their total and complete lack of compassion is astounding, nay repugnant. I have spoken with no fewer than five of their employees including a supervisor and I still have received no information regarding the payoff amount. I actually spoke to one Freedom Mortgage representative who told me that, DESPITE THE FACT THAT SHE WAS AT THAT MOMENT IN POSSESSION OF AND PHYSICALLY VIEWING ALL OF THE REQUIRED DOCUMENTS, my request for a payoff amount of the loan would have to go to yet another department. The company has caused us to miss the closing date of XX/XX/XXXX and now threatens to cause us to miss the new scheduled closing date of XX/XX/XXXX. 

I appreciate any assistance you may be able to provide.

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 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I subscribe to equifax - so that I can monitor my report and scores. On XX/XX/XXXX I checked my report and my score was XXXX. This was great all my efforts were paying off. I then checked it again XX/XX/XXXX and it was XXXX. I didn't understand so I went into the dashboard to try to find out why. It said that it was due to additional credit item I had opened. I had not added anything. I disputed this but now as of XX/XX/XXXX I still have not heard a response as to why this happened. I had other items on the dispute that were addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
I submitted a request to coinbase on XX/XX/XXXX at XXXX stating that my account may have been compromised because I did not recognize a CC that was associated to my account. Literally 3 minutes later at XXXX on XX/XX/XXXX I emailed and stated that I remembered the account was a disposable credit card that I tried to link to get the funds off of. I did/do not have access to see transaction details for the card because it's just a prepaid cc so I was unable to see deposits to the card to verify it. 

Coinbase then locked my account. I emailed them multiple times trying to get my account unloacked. I have not received any response from them in over two and a half weeks. I emailed them on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and the XXXX. I have received no response. I have contacted they're telephone support number and they continue to tell me that there is nothing they can do. They will not provide any means in which to contact the department that is responsible for unlocking my account. 

They are holding my money hostage, I am unable to access my funds and they are doing nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I discovered a fraudulent account had been opened in my name which resulted in a collection account being posted on my credit report by a company name XXXX XXXX XXXX XXXX in the outrageous amount of {$450000.00} dollars. Just recently the balance skyrocketed from {$450000.00} to {>= $1,000,000}. I contacted several contacts within the collection agency, the original creditor posted on the account as well as the three major credit reporting agencies. I followed the steps laid out by the fax, sent debt validation letters certified mail, sent in the police report showing the identity theft etc. Long story short XXXX  deleted the item, Equifax and XXXX   have not, as well as they won't send me any documentation showing me how they linked this account to my report. On XX/XX/XXXX Equifax deleted the account, but re-inserted it on XX/XX/XXXX with no documentation showcasing the reason for reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: OH

Complaint narrative:
Inquired are being submitted by auto dealers that were not authorized. They were told not to shotgun my info out and they did and a lot of inquiries I never signed a authorization paper or gave them permission.called transition nothing was done. Trans union readded deleted inquiries without sending me a reinserting letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
Received a letter dated XX/XX/XXXX from Dynamic Recovery Solutions,XXXX XXXX XXXX XXXX , SC XXXX   who represents XXXX XXXX XXXX XXXX XXXX XXXX   regarding a XXXX XXXX credit card debt I had no knowledge of and that was expired since it was, according to their letter, from XX/XX/XXXX. The letter indicated that " this is an attempt to collect a debit by a debt collector and any information obtained would be used for that purpose ''. I responded as indicated I must do within 30 days to dispute the validity of the debt. Today, I've ordered my free credit reports to see if they have impacted my credit. They also indicated that even if the statute of limitation for suing me to collect the debt may have expired if " the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you ''. This is a scare tactic by this company to try to force me into the payment plan they offered in the letter and, to admit that this debt is my debt so they can reset the timing for the debt in the CREDITOR 's favor and continue their deceptive collection procedures. This is a violation of the Fair Debt Collection Practices Act,15 U.S.C. and these types of collection companies that buy junk debt and threaten the public should be banned from being in operation in the U.S.A.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX reported a debt to all three credit bureaus. Ive reached out to this company along with my attorney to validate the accuracy of this alleged debt with no success. I already satisfied the debt with the Original Creditor as stated on my credit report therefore I am unsure as to what these continued charges are for. I continue to call this company to obtain validation and to get some answers but no one is able to assist me with validating the accuracy of this account nor does anyone from this organization ever call me or my attorney back. The original debt, which again was satisfied with the original creditor, is from 2010 and based on Fair Debt Collection Practices Act this has exceeded the Statute of Limitations. The creditor is also to discontinue all attempts to collect the debt until such time as they provide verification which they have not done. This company is violation due to non compliance and violation of statue of limitations.

Company response to consumer: Closed with non-monetary relief