vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I am not past due on my mortgage and I attach again their representative sent me an email verifying they doubled my escrow balance and owe me a check for {$12000.00} I still have not received my check and would like my check immediately!

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 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was assuming that I was creatign a free account on Transunion website. However, that was not the case. The website shows a poor job of telling you if the account you are creating if free subscription or paid. All it says is credit monitoring and that it is a subscription that you can cancel anytime after going to the website from a XXXX search of Transunion credit report. It does n't mention if it is a trial either where you have x amount of time to cancel. All it does is tell you to create a user name and password, enter your personal information, and your credit card and go to your profile. After going to my profile, I had issues getting TU Credit Lock feature to work due to some mismatched information that I do not know of. I contacted Customer support online and offline, Fraud department, and other numbers mentioned on gethuman to resolve the issue but each department kept referring me to call the other where no one knew about the service and the reason for the issue, and how to resolve it. It is then when I looked into the issue myself as I looked to check my profile information on the Transunion site that I have signed up for a paid service and that they took {$20.00} out my account. I contacted the billing department and that stated that since I signed up and automatic payment was made that they will not refund me the money despite their misleading webpage regarding what you are signing up for and if it costs. After informing them that I will make a complaint, they have now updated their page to show the pricing.

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 2017-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently got a new card from XXXX but i been had an account with them, i didnt know that they changed my account number also. So i open a credit card with capital one, i paid my bill with my bank card but i use the account number that i had on on file when i first opened my XXXX, i didnt know XXXX  tgave me a new account number they never notified me. So i used the account number to pay my capital one credit card bill and disnt notice till after it wasnt going through so i called XXXX and asked them whats going on and they told me they gave me a new account number so now I finally found out i got a new account number i used it for my capital one credit card bill, it went through to only found out they close my account without warning me and telling me the payment wasnt going through i begged and cried for them to open it back up because i really need it i pay my rent with my credit card but they did not care

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I was recently denied credit approval from Mercedes Benz Financial Services ( MBFS ) in regards to an auto lease I was looking to assume from the original lessee, in accordance with Mercedes ' lease transfer terms. No information was provided as to the reason for denial. In response, I ordered my current credit reports and scores from the 3 major credit bureaus. Each bureau lists my FICO score well in excess of XXXX, including XXXX, which listed the recent inquiry by MBFS within my credit report. Given my exemplary credit rating ( as well as annual income ), there is no credible justification for MBFS denying my credit application based on creditworthiness standards. Accordingly, this decision appears to have been made in an arbitrary and discriminatory manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I have been complaining to the cfpb ... ..you guys ... .for years ... .XXXX??? You guys have been closing out all my complaints ... .i have disputed them all ... and you have them closed out because ocwen sent you their paperwork??? Seriously??? My home has been foreclosed upon ... i have been complaining to the cfpb for years ... .and you guys close my complaints???? Like ocwen has made things right with the paperwork they choose to give you!!! Ludicrous!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I receive a letter from CITI stating that I had enrolled in Credit Protection ... which I NEVER ENROLL!! ... ..I never gave any one my concent to do so ... ..this is robbery on their part .... reference number ... 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 2017-08-21 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:
Trans union made a giant error and wiped away inquires on thousands of peoples credit file, but to make things worse they went back and tried to remember which files had been affected and which ones were not affected. By law, and pursuant to the debt and fair credit act, customer should have been notified, before trying to place these erroneous inquires back on customers credit file, but we were never contacted. So once I found out that I was indeed a victim I contacted Trans union and notified them that I was one of the victims of their inquiry mishap and that I wanted those inquiries that had been wrongly placed * back* on my credit file removed, I was told that I was not one of the victims and that they could not remove them. This is very wrong in every since of the word. I was indeed a victim, and I want these inquiries permanently removed from my credit 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 explanation
Consumer complaint received 2017-08-21 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: AZ

Complaint narrative:
Hello I had submitted multiple request for validation on a XXXX XXXX account. Transunion and XXXX XXXX XXXX keeps say that validated my account without having my original contract on file. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.

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 2017-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On Friday XXXX XXXX, 2017, I received a debt collection letter in the mail stating that I owe {$1700.00} from Credence. I have never signed a contract with XXXX for telephone service. This debt does not belong to me nor is it valid.

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 2017-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: MO

Complaint narrative:
In XXXX XXXX I contacted Avant based on an email I received offering an installment loan. I was told over the phone, by an Avant agent that the loan amount might be slightly higher than I would normally pay, 30 percent interest, but after, " a couple of years of on time payments. '' I could refinance for a lesser rate. After 2 years of on time payments I contacted Avant in  XXXX XXXX and was told that I could not refinance, even though there was no change in my credit score, my address remained the same, and my employer was still the same. I informed Avant about the statement made in XXXX of XXXX and was told that they did not have to honor it. I contacted Avant several times via telephone in XXXX regarding this dispute. I made the request for the terms and conditions and filed a written complaint ( attached ) via certified mail, as outlined in Avants, XXXX XXXX terms and conditions. Avant did not respond to the letter as they were supposed to in the agreement. I then was told via telephone that if I let the loan fall a few days past due that I could offer a settlement. I allowed the account to fall past due and was then told that I could not pay a settlement amount. I was offered a reduced payment plan, " until the dispute was resolved '' for 6 months. I entered this agreement and paid as agreed. I was not allowed to pay in XXXX of XXXX and had to call a second time and file a complaint to make a payment. In XXXX of XXXX I was again not allowed to pay. I contacted Avant the end of XXXX and offered to make arrangements but was told that someone would get back with me. Nobody returned our calls or emails. I then offered a settlement amount and stated that I did not want my consumer report harmed and Avant offered to settle, but did not provide an amount. I offered an immediate payment of XXXX dollars, but did not receive a response. I emailed several more times and my husband contacted Avant on  my behalf to no avail. On XXXX XXXX, XXXX, through the online portal at avant.com I was offered to reduce the rate to 9.99 percent, which I accepted. The next payment due was then shown as XXXX XXXX, XXXX. The account has never shown past due and during the period between XXXX XXXX, XXXX and XXXX XXXX, XXXX I was in contact with Avant regarding the dispute. The last payment was due XXXX XXXX, XXXX ... yet Avant is now reporting that I am 93 days past due to XXXX. I have contacted Avant and they continue to fail to respond. I do not want this to harm my consumer report as I have very good credit, I have not missed a payment on my own accord and only missed the XXXX payment because Avant would not accept it and I was in dispute trying to get Avant to take a payment for the next 29 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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:
i have written to XXXX XXXX XXXX many times and they are stating that what they are reporting to bureaus is incorrect i even have received letters from them, but when i fax or upload or even mail the same document to experian, they do not update their end. XXXX and XXXX have already updated through their end but experian has not and does not. therefore i decided to make a complaint to you in order to get results, please have this issue resolved, i would greatly appreciated. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: TX

Complaint narrative:
Well I looked on my credit report and I seen this new account in collections XXXX17 They did not notify me Or send me a letter before placeing this account on my credit report.So I sent them a debt validation letter stating I will like the original documents on this account.And all AR resolution inc sent me a cover sheet any computer screen. This is not a proper validation letter. And I know my laws and my rights and AR Rosources inc have Validated Fair debt Collection practices Act federal and state.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: NC

Complaint narrative:
I completed a Default Clearance letter maybe 2 years ago. I completed a FAFSA this year the school and Federal Department still have the Default classification on there. This company and my interaction with them strikes me a hostile, and antagonistic and one-sided in the way they have chosen to conduct business with me. They are reporting a total amount from education loans from 25 years ago. I went to another XXXX school and took 2 classes. Then they " consolidated '' and claimed I owed from the loans 2 decades ago. I had n't heard anything about owing on a loan until I took the 2 classes at the less expensive school and an offset was approved. I feel like I am being attacked. This company called me 4-5 times a day back in 2008. Last year I agreed to make voluntary payments for $ XXXX- that was the asking price. As I have applied to get financial aid at other institutions, this rehab loan keeps coming up. I was unaware that this categorization of my loan account was going to prevent this. Negotiation is at the core of most business transactions- it 's a give and take. I feel if I can pay voluntary- that 's what they asked me to pay- and someone on their team can be more flexible to allow me to move forward.I was reluctant to keep contacting them, because they said they were not reporting anything and starting sending me privacy policy notices. I thought there was some kind of legal proceeding that had occurred - like a gag order. Im just really confused as to why I keep having the same conversations with them almost every year. I really need a normal professional business person to help me with this.

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 2017-08-21 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: NY

Complaint narrative:
I reviewed my credit reports in early XXXX, a follow up to a check I did earlier this year. I in it I noticed some errors. On XX/XX/XXXX, I wrote a letter to XXXX XXXX XXXX ( see Transunion XXXXXXXX ),  asking them to correct the errors relating to credit inquiries. The Fair Credit Reporting act describes the permissible purpose to finish a report in 15 U.S.C. 1681b. The inquiries in question are in follows 1 ) XXXX XX/XX/XXXX 2 ) XXXX  XX/XX/XXXX Neither of these two inquiries fall within the purposes described in the Fair Credit Report as a permissible purpose. I asked XXXX to conduct an investigation on those two inquiries, specifically - the name and title of the person who pulled the report - the date of the alleged report request - and the method that the creditor claims I gave permission. I asked for documentation of said permission. Instead I was given a 1 page response ( see TransunionreplyXXXX ), basically asking me to contact the creditor ( was an investigation ever done? ).  There was no confirmation that any investigation took place.. In the generic letter XXXX claims that written authorization is not required and specific consent is not required. Furthermore none of the information I requested was never furnished, it appears that Transunion is asking me to correct their errors! The Fair Credit Reporting act dictates the manner in which a credit reporting agency is supposed to investigate errors in 15 U.S. Code 1681i.

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 2017-08-21 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: AZ

Complaint narrative:
I have disputed these accounts multiple times with experain and XXXX XXXX. They keep saying they validated. But how can you validate my account with a statement anyone can create. According to federal law they need my contract on file what none of them have. The attachments is what XXXX XXXX has sent me for validation. Sense when does a statement that anyone can create as validation. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.

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 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NY

Complaint narrative:
As you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX XXXX  that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Id theft victim XXXX XXXX police report number 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 2017-08-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
please find attached ( upload ) letter from the creditor for which they have approved to remove the inaccurate delinquency from my XXXX XXXX XXXX # XXXX, equifax and XXXX are the only ones who are reporting this inaccuracy, i have already faxed the creditors letter for which they have approved to remove the late on this account, but they are not responding therefore i decided to file a complaint and need yoiu help to do so. thank you for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase is Charging me interest of {$25.00} AFTER card was paid in full prior to the due date. This is a total scam and it needs to be credited!

Company response to consumer: Closed with monetary relief