vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
Hi on XX/XX/2019, I purchased a used car through XXXX of XXXX in AZ and tried to buy GAP insurance since its finance thru USAA. I was told that per the Military Lending Act since I am a XXXX they cant sell it to me. I tried to buy one through USAA but they do not sell them anymore. This MLA is hurting the military service members unnecessarily. I told them this only applies to active duty not weekend warriors but they said it does. Is that true? XXXX XXXX XXXX wont sell the GAP. Thanks.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've sent a letter about 2 accounts listed on my personal credit report and Equifax replied in a letter stating one of those were not reporting. That account is still reporting as of XX/XX/19 and I want it removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 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: FL

Complaint narrative:
I have accounts on my credit report that don't belong to me. These inaccuracies are negatively affecting my ability to buy a home. 

I also have inaccurate late payments on my report although I never actually paid anything late. My information is all over the place and each credit report agency is reporting completely different information about the same accounts. 

Something isn't right here.

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 2019-06-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have accounts on my credit report that don't belong to me. These inaccuracies are negatively affecting my ability to buy a home. 

I also have inaccurate late payments on my report although I never actually paid anything late. My information is all over the place and each credit report agency is reporting completely different information about the same accounts. 

Something isn't right here.

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 2019-06-28 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: IL

Complaint narrative:
I have contacted TransUnion and let them know that I have two accounts reporting on my credit that are not mine. The fraudulent accounts are listed as US Depart. of EducationXXXX and XXXX XXXX XXXX. There is also one inquiry from XXXX that I did not do.

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 2019-06-28 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: PA

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XXXX19,XXXX19,XXXX19 Incorrect balance, the date reported, and the account type is inaccurate. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX/XXXX   # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX # XXXX XXXX   XXXX XXXX XXXX - XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have used my XXXX XXXX credit card since XX/XX/XXXX, but closed this account in XX/XX/XXXX after paying a final balance whihc was under {$10.00} due to an annual fee. I have been trying to refinance my home and was advised to pay off entirely and then close this credit card in early XX/XX/XXXX. I used the card for the final time to purchase gas in XX/XX/XXXX. I then paid the entire balance in XX/XX/XXXX down to {$0.00}. I called the company and notified them I wanted to close the account and I was advised I had to pay the XX/XX/XXXX annual fee. I was then charged an annual fee of {$8.00} in XX/XX/XXXX with XXXX cents in interest, I made a payment then of {$8.00} to pay off the balance entirely again on XX/XX/XXXX and again stated I wanted to close the account. I do not receive e-mails or hard copy mail from XXXX XXXX Credit Card Company and other than monitoring to make sure my balance was XXXX on my credit report I did not check the company website for statements as I had requested twice that the account be closed. Then without any notice the company kept my account open and on XX/XX/XXXX charged me another annual fee of {$8.00} and also a late fee of {$8.00}, again I received no billing, no statement was sent to me, I was not using this card, and had closed the account. Then this company charged me another series of late fees including a {$25.00} late fee and more annual fees totaling a {$59.00} balance ( none of which was me actually using the card on this supposed to be closed account ) and then reported to the credit agencies that I was delinquent in the payment. I have been in the hospital at XXXX XXXX 's in XXXX XXXX for XXXX complications since XX/XX/XXXX as my water broke at XXXX weeks gestation. It was here in the hospital, where I will remain for another XXXX weeks until the birth of my child, where I was notified by XXXX credit monitoring that this account was never closed and this company has been charging me repeated " annual '' fees and late fees and reported my account as delinquent. I have not used this card in months and have repeatedly made attempts to close it and have always paid every balance to {$0.00}. I immediately paid the balance of {$59.00} despite believing it to be fraudulent in the hopes of protecting my credit and having the negative reporting reversed. I have called the company and spoken to numerous " supervisors '' and my requests to have this rectified have been " denied. '' I am attaching statements I got only from logging in to the website these statements are screenshots and were never sent to me in any form.

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 2019-06-28 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:
I have used my XXXX XXXX credit  card  since XX/XX/XXXX, but closed this account in XX/XX/XXXX after paying a final balance whihc was under {$10.00} due to an annual fee. I have been trying to refinance my home and was advised to pay off entirely and then close this credit card in early XXXX. I used the card for the final time to purchase gas in XX/XX/XXXX. I then paid the entire balance in XX/XX/XXXX down to {$0.00}. I called the company and notified them I wanted to close the account and I was advised I had to pay the XX/XX/XXXX annual fee. I was then charged an annual fee of {$8.00} in XX/XX/XXXX with .XXXX cents in interest, I made a payment then of {$8.00} to pay off the balance entirely again on XX/XX/XXXX and again stated I wanted to close the account. I do not receive e-mails or hard copy mail from XXXX XXXX Credit Card Company  and other than monitoring to make sure my balance was 0 on my credit report I did not check the company website for statements as I had requested twice that the account be closed. Then without any notice the company kept my account open and on XX/XX/XXXX charged me another annual fee of {$8.00} and also a late fee of {$8.00}, again I received no billing, no statement was sent to me, I was not using this card, and had closed the account. Then this company charged me another series of late fees including a {$25.00} late fee and more annual fees totaling a {$59.00} balance ( none of which was me actually using the card on this supposed to be closed account ) and then reported to the credit agencies that I was delinquent in the payment. I have been in the hospital at XXXX XXXX XXXX in XXXX XXXX for XXXX complications since XX/XX/XXXX as my XXXX XXXX at XXXX  XXXX XXXX. It was here in the hospital, where I will remain for another 2-3 weeks until the XXXX of XXXX XXXX, where I was notified by XXXX credit monitoring that this account was never closed and this company has been charging me repeated " annual '' fees and late fees and reported my account as delinquent. I have not used this card in months and have repeatedly made attempts to close it and have always paid every balance to {$0.00}. I immediately paid the balance of {$59.00} despite believing it to be fraudulent in the hopes of protecting my credit and having the negative reporting reversed. I have called the company and spoken to numerous " supervisors '' and my requests to have this rectified have been " denied. '' I am attaching statements I got only from logging in to the website these statements are screenshots and were never sent to me in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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 used my XXXX XXXX credit card since XX/XX/XXXX, but closed this account in XX/XX/XXXX after paying a final balance whihc was under {$10.00} due to an annual fee. I have been trying to refinance my home and was advised to pay off entirely and then close this credit card in early XX/XX/XXXX. I used the card for the final time to purchase gas in XX/XX/XXXX. I then paid the entire balance in XX/XX/XXXX down to {$0.00}. I called the company and notified them I wanted to close the account and I was advised I had to pay the XX/XX/XXXX annual fee. I was then charged an annual fee of {$8.00} in XX/XX/XXXX with .XXXX cents in interest, I made a payment then of {$8.00} to pay off the balance entirely again on XX/XX/XXXX and again stated I wanted to close the account. I do not receive e-mails or hard copy mail from XXXX XXXX Credit Card Company and other than monitoring to make sure my balance was XXXX on my credit report I did not check the company website for statements as I had requested twice that the account be closed. Then without any notice the company kept my account open and on XX/XX/XXXX charged me another annual fee of {$8.00} and also a late fee of {$8.00}, again I received no billing, no statement was sent to me, I was not using this card, and had closed the account. Then this company charged me another series of late fees including a {$25.00} late fee and more annual fees totaling a {$59.00} balance ( none of which was me actually using the card on this supposed to be closed account ) and then reported to the credit agencies that I was delinquent in the payment. I have been in the hospital at XXXX XXXX 's in XXXX XXXX for XXXX complications since XX/XX/XXXX as my water broke at 29 weeks gestation. It was here in the hospital, where I will remain for another 2-3 weeks until the birth of my child, where I was notified by Experian credit monitoring that this account was never closed and this company has been charging me repeated " annual '' fees and late fees and reported my account as delinquent. I have not used this card in months and have repeatedly made attempts to close it and have always paid every balance to {$0.00}. I immediately paid the balance of {$59.00} despite believing it to be fraudulent in the hopes of protecting my credit and having the negative reporting reversed. I have called the company and spoken to numerous " supervisors '' and my requests to have this rectified have been " denied. '' I am attaching statements I got only from logging in to the website these statements are screenshots and were never sent to me in any form.

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 2019-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
Professional Credit Service continues to call claiming a debt is owed but will not provide proof of debt after repeated requests from me. All they say is that they've sent a letter to my address, but I have not received anything from the company, nor have I ever received any validation of the debt. I have asked numerous times for them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: OK

Complaint narrative:
I took out a {$900.00} loan to pay the IRS to stop them from taking the next step toward collection. What I was not expecting was it costing men {$3600.00} for that loan amount. When I called thinking the loan should be paid off I was informed that I get charged DAILY interest. They do identify themselves as a XXXX tribe under XXXX XXXX in Montana. This is outright fraud. No loan should cost you triple of the amount you borrow. I have made 3 payments of {$400.00} which totals {$1200.00}. They take it directly from my banking account. I am going to stop payment for the next one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
In XXXX I took out two payday loans with AmeriCash Loans. At some point I defaulted on the loans and AmeriCash garnished my wages to fulfill the remaining balance of the loans. I received my original contracts back from AmeriCash stamped paid in full. On XX/XX/XXXX XXXX XXXX XXXX, a debt collection company, listed a new item on my credit report for {$140.00} with the original creditor listed as AmeriCash loans. I called AmeriCash and they stated that all of my loans were paid in full and I needed to contact XXXX XXXX XXXX to have the item removed. As of XX/XX/XXXX, I have never received a phone call or letter notifying me of this debt or my ability to dispute it. On XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX disputing this debt, and requesting proof of the debt owed. As of today, XX/XX/XXXX, I have not received an acknowledgement of receipt of the letter, nor the documentation requested. Meanwhile the debt is continuing to be reported to the credit bureau with the last reporting on XX/XX/XXXX. This is lowering my credit score, and for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: IL

Complaint narrative:
I have contacted Equifax and let them know that I have two accounts reporting on my credit that are not mine. They continue to report inaccurate information. The fraudulent accounts are listed as US Depart. of EducationXXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I am trying to refinance my home, MR. Cooper holds a Lien on my home for a 2nd mortgage. Problem is I have never heard of them. I have never made a payment to them. And when you call customer service they have no record of my husband XXXX XXXX or me XXXX XXXX, Nothing under our social numbers, nothing under our property address .This has been going on for over 30 days and they just keep telling me they are researching it.

I have requested proof multiple times. I have asked for the NOTE lots of times and I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: The CMI Group, Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : A couple of years ago, XXXX XXXX ( cable/telephone company ) sent me a final bill ( from an old address ) to which I tried to dispute because I felt I did not owe them that amount. Long story short, they sent me to Credit Management XXXX. The bill was {$160.00}. They gave me a discounted amount of {$110.00} which I paid on XX/XX/2019. I was told my balance is now PAID. 

So even though I was unfairly billed, I took the hit just to get them off my back and to make sure they don't hurt my credit score. In addition, I requested for a deletion of said transaction and was denied. XXXX XXXX, supervisor at Credit Management XXXX  said only XXXX  can make that decision. It seems like  extortion and it's me fighting the giants.

After all that, I just found out that my credit score dropped 40 points, caused by the same XXXX bill. My lender told me the credit report showed PAID, but also showed DELINQUENT. That is contradicting. I called Credit Management XXXX and was told they can not do anything about it. 

I need your help PLEASE. What they did was injustice and they have all the power to hurt me. 


Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bayview is guilty of financial impropriety and borderline fraud by grossly understating my monthly income and greatly inflating the " value '' of my property for the purposes of foreclosing on my home. 

At issue is a modification request that Bayview denied ( letter attached ). In the letter Bayview understates my monthly income by {$5000.00} a month and over estimates the value of my home ( comps attached ) by almost {$200000.00} for the purposes of denying my modification request. This is fraud and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Reference to Former Complaint # XXXX ( I was told a new number would be assigned after I submit information online. ) XX/XX/XXXX XXXX XXXX sent a bill pay payment to Capital One for our Cabelas Visa Card for {$3100.00} XX/XX/XXXX Capital One received and cashed the {$3100.00} payment. 
XX/XX/XXXX Both XXXX XXXX and XXXX XXXX ( cardholder ) faxed Capital One a copy of the transaction. 
Capital One is claims I stopped payment on the {$3100.00} payment, despite numerous 3-way conversations with XXXX XXXX, Capital One and XXXX XXXX. During these conversations XXXX XXXX confirmed there was not " stop payment ''. 
Capital One says they will investigate, but they have never attempted to return my phone call. Despite repeated claims the Capital One sent the {$3100.00} back to my XXXX XXXX Account, they have never sent proof of this transaction. 
While the account and fees were credited, I have just been re-billed {$3100.00} and Capital is claiming a payment credit made on the XX/XX/XXXX statement which is enclosed. 
*Please note on my XX/XX/XXXX Cabelas Statement the XX/XX/XXXX " Payment Adjustment '' under transactions. This amount was billed and not credited.

Company response to consumer: Closed with monetary relief