vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/2018 I bought a {$640.00} money order and I filled it out to my landlord he calls me a week later saying he never got his money order for the rent so I called them when you ordered a number on a money order and they told me it was cashed XX/XX/XXXX so I paid {$25.00} to get a photocopy of the money order and the other paperwork tell me where it was cashed and all that so I don't get a police report and I take it to the bank TD Bank at XXXX XXXX XXXX XXXX I go in there and talk to XXXX who - vice president and I tell him what happened and he looked at my photocopy wanting his office prank it up on the screen and he said he knew what was going on the same guy was stealing money orders and checks out of the mailbox and he did it like 20 times he cashed yet he cashed my money order and everybody else is in his own name in his own account at the bank and none of the checks or money orders had his name on it he deposits on there and they gave him the money even though they weren't for him and now TD Bank and then mr. XXXX who XXXX was supposed to give me the number to the detective and told me to get on the caseload the number he gave me was the wrong number there was no detective there and every time I try to call back if you don't answer my phone calls you don't call me back I leave message they don't call me back I don't know what else to do I'm in a loss I got the police report the receipts everything my landlord is threatening to throw us out if you know he don't care what happened I'm scared

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax failed to protect my identity. 3 breaches have my personal information!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I sent In a letter certified asking them to validate this debit and attached below Is what I recieve. Im asking that this info Is look into for It Is damaging my credit.this Is not a copy of a validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
My Equity Loan was originally w/XXXX XXXX XXXXXXXX which they eventually sold my load to Caliber Home Loans. XXXX XXXX XXXX had made many, many, many inconsistencies w/my loan before they sold it & Caliber Home Loans continued to make many more inconsistencies & even made demands that I pay {$2200.00} immediately or they would foreclose on my home. I have always paid my Loan payments on time w/XXXX & Caliber & I always tried to ask both Banks many, many, many times for answers as to why they always charge me late fees, extra interest, Lawyer fees, other fees & also why are my monthly payments increasingly larger. You will see in the documents that I have sent that they have been unrealistic & make no attempts to rectify these issues. I tried in vain many times to talk w/these people at Caliber Home Loans & nobody has ever given me an answer or any help at all. They always turned me away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: TN

Complaint narrative:
We are reaching out again hoping you can step in and help us save our home. My husband and I fell behind on our mortgage payments when my husband became very ill. As I stated in my first letter, he was struggling with XXXX and started also suffering from XXXX XXXX due to XXXX XXXXXXXX. His health continued to deteriorate and he was no longer able to work. 

I've been fighting an uphill battle to work with my bank to get back on track. I fill out, collect and send in paperwork over and over because it somehow gets lost. I would receive letters in the mail, but every single time I tried to reach someone on the phone, Id be on hold forever and never reach anyone. I'd be directed to the website for forms, but the link would be broken ( and still is ). 

My heart broke again today when I called and was told we weren't approved because I didn't make enough money. One representative told me I could appeal if i could show we have additional money coming in. I tried to find a form for this, called back and the next person spoke to, XXXX, told me there was no such thing as an appeal and they were taking my house in less than 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 explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Contacted the company 4 years ago when I was alerted of debt & disputed with debt collection of identity theft. Creditor agreed to remove account but debt is still on my credit. Company has no file of my account, due to new management over the past few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: NJ

Complaint narrative:
I have disputed accounts with the credit company on XX/XX/2018,XX/XX/2018/,XX/XX/2018,XX/XX/2018 and reporting agencies XXXX, Experian, XXXX, they fail to verify the accounts under the FCRA SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) also 611 ( 5 ) ( A ).

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 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
When they look up my income they are not using the right amount and i have been trying to tell them that

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have wasted 3 hours today trying to cancel Experian Credit Report. 
The only option they give to cancel is via phone, and this is automated. 
I tried and tried and tried, and when I finally got through they said I didn't have an account with them. 
All I wanted to do was to cancel my monthly subscription of {$31.00} which is coming out of my XXXX card. 
So I called XXXX, and asked them to cancel it, on the grounds of not being able to cancel it is in fact fraudulent. So they then also tried and tried and tried to get through to XXXX on my behalf, but also couldn't get through. They as well became very frustrated. 
In my view, this is criminal, and should be illegal, to make it impossible to cancel a monthly service! 
I seek your help please. 
Thanks

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
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Last week, I filed a complaint against Portfolio Recovery because they reported a collection account on my credit report for {$1800.00}. Prior to this account showing up on my report, I did not receive a notice of my right to dispute. I have no idea what this is, and I am very frustrated that I wasn't even given a chance to answer for this supposed debt prior to it appearing on my credit report. Portfolio Recovery responded to my initial complaint and said they could not investigate it unless I supplied them with additional information. I do not understand how I am supposed to supply them with additional information about the account if I don't know what it is either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: LA

Complaint narrative:
XXXX  Accounts Reporting Negatively With Incomplete Account Information I have repeatedly sent letters to Transunion, XXXX, and XXXX asking them to delete the inaccurate information being reported on my reports by XXXX. They continue to report back to me that the information has been VERIFIED. 

I have repeatedly sent letters and made calls to XXXX asking them to either report complete account numbers OR remove these accounts from my credit reports. For over 15 years they have been reporting incomplete and inaccurate information to my credit files. They refuse to comply. This practice has made it difficult to manage and discern one loan from the next. 

While they might say they are truncating my account numbers to protect me, the FTC opinion says the opposite : In sum, a CRA that always scrambles or truncates account or social security numbers does not comply with Section 609 of the Fair Credit Reporting Act.

They state that by NOT reporting the entire account number, they are not reporting 100 % accurate information as required by Section 609.

Section 609 ( a ) ( 1 ) of the FCRA states that CRAs, including major credit bureaus such as Trans Union, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer... All information in the consumer 's file at the time of the request '' ( emphasis added ).

I am writing to request your help in having these SEVEN inaccurately accounts permanently removed from all three reporting agencies, XXXX, XXXX, and Transunion.

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 2018-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
My car was repossessed on XX/XX/2017 after missing one payment. I was currently making payments when this company repossessed my car. They sold the car for auction on XX/XX/XXXXXXXX this was after my payday but they demanded my entire check, XXXX dollars. I was due to XXXX  on the XX/XX/XXXX, so I asked for an extension but they didnt extend and took my car. I XXXX and they sold the car which was bought XX/XX/2017 brand new for XXXX XXXX and left me a XXXX balance and didnt notify me and are charging me thousands in interest which I dont believe is fair. They also did not send me notice that they were selling my vehicle, I found out on my credit report. This companys name is GM financial and they are scamming military members out of their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
Ive send certified letters to the companys listed below asking them to validate this debit. I have not as of this day received anything back in writing validating the debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: LA

Complaint narrative:
XXXX  Accounts Reporting Negatively With Incomplete Account Information I have repeatedly sent letters to XXXX, XXXX, and Equifax asking them to delete the inaccurate information being reported on my reports by XXXX. They continue to report back to me that the information has been VERIFIED. 

I have repeatedly sent letters and made calls to XXXX asking them to either report complete account numbers OR remove these accounts from my credit reports. For over 15 years they have been reporting incomplete and inaccurate information to my credit files. They refuse to comply. This practice has made it difficult to manage and discern one loan from the next. 

While they might say they are truncating my account numbers to protect me, the FTC opinion says the opposite : In sum, a CRA that always scrambles or truncates account or social security numbers does not comply with Section 609 of the Fair Credit Reporting Act.

They state that by NOT reporting the entire account number, they are not reporting 100 % accurate information as required by Section 609.

Section 609 ( a ) ( 1 ) of the FCRA states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer... All information in the consumer 's file at the time of the request '' ( emphasis added ). 

I am writing to request your help in having these SEVEN inaccurately accounts permanently removed from all three reporting agencies, Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: LA

Complaint narrative:
XXXX  Accounts Reporting Negatively With Incomplete Account Information I have repeatedly sent letters to XXXX, Experian, and XXXX asking them to delete the inaccurate information being reported on my reports by XXXX. They continue to report back to me that the information has been VERIFIED. 

I have repeatedly sent letters and made calls to XXXX asking them to either report complete account numbers OR remove these accounts from my credit reports. For over 15 years they have been reporting incomplete and inaccurate information to my credit files. They refuse to comply. This practice has made it difficult to manage and discern one loan from the next.

While they might say they are truncating my account numbers to protect me, the FTC opinion says the opposite : In sum, a CRA that always scrambles or truncates account or social security numbers does not comply with Section 609 of the Fair Credit Reporting Act.

They state that by NOT reporting the entire account number, they are not reporting 100 % accurate information as required by Section 609.

Section 609 ( a ) ( 1 ) of the FCRA states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer... All information in the consumer 's file at the time of the request '' ( emphasis added ).

I am writing to request your help in having these SEVEN inaccurately accounts permanently removed from all three reporting agencies, XXXX, Experian, 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 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I've sent certified letters to the company listed below asking that they vaildated the debit that they say I owe as of this day I have yet to recieve anything from the debit collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
I started this loan with XXXX XXXX in 2003 was having problems with payments so I did some deferments with the thought that they were put on the back of the loan is was then sold to XXXX now I'm with babies and it's at the end of mortgage in XXXX and I still have a XXXX balance what can I do and does XXXX XXXX owe me any money with that law suite.My understanding wasXXXX a month for 161 months which I think was enough please help! I'm XXXXXXXX military 23 years work for the XXXX XXXX XXXX for 19 years and planning to retire in about one year! Thanks XXXX l could XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: NJ

Complaint narrative:
I have disputed accounts with the credit company on XX/XX/2018,XX/XX/2018/,XX/XX/2018,XX/XX/2018 and reporting agencies XXXX, XXXX, TansUnion, they fail to verify the accounts under the FCRA SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) also 611 ( 5 ) ( A ).

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 2018-08-17 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: NJ

Complaint narrative:
I have disputed accounts with the credit company on XX/XX/2018,XX/XX/2018/,XX/XX/2018,XX/XX/2018 and reporting agencies Equifax, XXXX, XXXX, they fail to verify the accounts under the FCRA SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) also 611 ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: United Student Aid (USA) Funds
State: IN

Complaint narrative:
I filed a chapter XXXX bankruptcy repayment action and listed my federally guaranteed XXXX XXXX student loan ( opening balance of {$39000.00} in XX/XX/1993 ) as a debt. XXXX XXXX placed my loan in default and filed an inflated claim of {$59000.00} before assigning the claim to the federal guarantor ( US Student Aid Funds ). The plan was successfully completed, and I received my order of discharge at the end of the case. 

Over the course of the bankruptcy, I paid pursuant to the court-approved plan, and the trustee remitted to US Student Aid Funds on my behalf, more than {$37000.00}, almost payment in full of the original amount borrowed. The lender 's own records ( which were provided to me ) show that the money was received but was not credited to my principal balance.. Despite my efforts to have their records corrected to give me credit for the {$37000.00} in payments I made during the bankruptcy and in the years since, XXXX XXXX ( now XXXX ) /US Student Aid Funds insists that my unpaid principal balance is {$60000.00}. 

In XX/XX/XXXX of this year, XXXX XXXX declared my loan in default and referred it to a collections agency ( XXXX XXXX XXXX ), which has threatened to garnish my wages in the near future, causing me severe financial hardship, unless I pay the full amount they claim I now owe -- which is a whopping {$82000.00}, more than double the original loan amount. The only way they can claim that my balance is so high is by continuing to refuse to credit me with the {$37000.00} I paid through the bankruptcy and the thousands more I paid since that time. This is beyond negligence on XXXX XXXX 's part ; it appears to be an effort to defraud me into paying considerably more than it's entitled to collect.

Company response to consumer: Closed with explanation