vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
I am suffering through a very serious injustice and I need your help in correcting the actions of my mortgage servicer, Freedom Mortgage. XXXX XXXX was my loan servicer, but they transferred my loan to Freedom Mortgage, but I was never advised of the transfer. My mortgage payments were made automatically through my bank account and I never really paid attention to whether or not it was paid because I had never missed a payment in eight years. However, when the loan transfer occurred, I had no knowledge and the payments did not automatically go to my new servicer. When I found out that there was a problem, I immediately contacted Freedom Mortgage to make the past due payments, but they said I had to contact their attorney because my loan was already in default. When I contacted the attorney, I was told to address my issue with Freedom Mortgage. 

This was in XXXX of this year and they have put me on a rollercoaster of bad advice and dead end service. Every attempt I have made has not brought any solutions and I have reached the end of the road with them. This situation now has spiraled out of control and I am now powerless against my mortgage servicer after being put in a situation which I did not create and can not fix on my own. I am hopeful that you can help me deal with this situation before I lose my home through foreclosure.

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 2018-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
myEquifax website did not allow me to place a free credit freeze as permissible today required under federal law. I was prompted with incorrect identification information and unable to re-login using my account. Equifax believes that I have auto and installment loans from a credit union, but this has never been the case ever. As I logged out upon noticing inaccurate information, I am now unable to log in at all and get the response " We are temporarily unable to complete this request. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I sent a Debt Validation Letter to XXXX XXXX XXXX C/O Resurgent Capital Services. The letter was received on XX/XX/2018 by someone named XXXX XXXX. The letter asked to provide information on an account that is not mine but is showing on my credit report. The company never responded back to my request. In the letter that I sent, it specifically stated that they had 30 days but ignored my request. This violates Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act. After a few months, I sent another Debt Validation letter that was received XX/XX/2018 by XXXX XXXX as well. I received a response back on XX/XX/2018. Instead of them provided the information that I requested, they sent me an " account summary '' that they suggest provides proof of debt. It's not detailed, there is no contract, they do not have my signature on anything. I doesn't even have the address associated with this account. I have never heard of this account in my life and I've never had a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: NJ

Complaint narrative:
On or around XX/XX/XXXX I have been in communication with my student loan lender ( Granite State Management & Resources XXXX XXXX XXXX XXXX, NH XXXX ). I am currently applying for a major loan and I need my actual payments when my loan go into repayment. I have been advised that my account can not go into repayment or that they can not update the payment until the grace period elapses. The system would show that I am on the extended plan, however, will not change the term from 120 to 300 months. This document will determine whether or not I get the loan. Therefore, it is urgent that someone help me. I am not able to wait until XXXX of 2019 to get my correct payment data. Additionally, I was told the Department of Education will not allow me to go into repayment status before the grace period. I have other loans with a different provider and I didn't have this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
every day, several times a day, calls are made, very abuse conduct, constanly calling. had an attorney notify them in letter telling them not to call anymore. they have continued calling, everyday and several times a day, with different numbers from all states, really abusive. iv notified my attorney and they also will notify them again, they are not suppose to call anymore. the company doing this is : portfolio recovery, they are a collection agentency, with 3 different collections. they call from all different numbers.from different states. calls have been from XX/XX/2018- till now, continues everyday. several times a day, from XXXX - to evening time after XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Trans-union reinstated inaccurate information after its was corrected and deleted from XXXX credit report. 

On XX/XX/2017 an inaccurate information was deleted from my credit report. XXXX XXXX XXXX was the original creditor. The amount that was deleted was for {$210.00} On XX/XX/2017 Trans-union reinstated the same information, thereby dropping my score significantly. 

As a result, I am unable to move forward with obtaining financing and have suffered a financial lose because of it.

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 2018-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Credit card company response to unauthorized charges was that it was my responsibility to deal with the auto rental company and that they " believed the rental car company '' = they felt I was a liar. Same response for the other smaller unauthorized charges. 

Credit Card company REFUSED to resolve the unauthorized charges and issue credit to my account, stating they would ruin my credit if I did not pay the charges THEY claimed were accurate despite my dispute. 

When informed I would file a consumer complaint, they got angry and stated " DO WHATEVER YOU FEEL YOU NEED TO DO '' and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
Between XXXX XXXX and XXXX of 2018 I bought 2 prepaid NetSpend cards for my XXXX year old daughter and XXXX year old niece. I did not know they had to be over XXXX to use the cards, according to NetSpend. I loaded {$200.00} on each card, when I called to activate them, I told them who they were for, and that's when they told me they couldn't use them. I then asked them to transfer the funds to my other NetSpend card, which they said they could not. They then told me they would send me a refund check for the {$400.00} I put on each of the other cards. I have not received my money back up to this day, and I would like all of my money returned immediately. This took place at the XXXX XXXX on XXXX and XXXX in XXXX XXXX at approximately between XXXX and XXXX, possibly on XX/XX/2018.. NetSpend had me put my daughter and niece on the phone so they could question their identity, and then allow the girls to access the funds by having checks sent to each of them in their names, which I reluctantly agreed to because they said that's the only way to recover my money, which I have still never received. Please help me get my money back, I'm a single mother that was just trying to make my daughter and niece happy, but I didn't get to do it that way, because NetSpend refused to return my hard earned money back to 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 explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I got a credit card through XXXX XXXX which uses XXXX XXXX. Sometime in XXXX I purchased a sweater for less than {$25.00} with the credit card to get a discount. At the store, I paid the balance in full at the same day using my debit card. 

Through a monthly credit monitoring tool, I found out in XXXX that the balance on the XXXX XXXX was {$55.00}. I was shocked and confused and on XX/XX/XXXX around XXXX I called the company to find out why I was being charged that amount. After being passed around for over an hour and 30min to different people from XXXX to the US, I finally talked with a person who said that I had to pay {$29.00} to make my balance current because the sweater payment didn't go through at the store. Since I was very frustrated at the confusing fees and lack of contact and communication, I requested for the account to be closed as well. I paid the amount and it was taken out of my bank account on XX/XX/XXXX. 

I asked the representative over 3 times to ensure that my account balance was XXXX and my account was closed. She gave me a confirmation number of # XXXX. I checked my monthly credit monitoring and now the account shows up as delinquent, closed along with a balance of {$59.00}. I've tried to call the company but no one is picking up and I can't reach out anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I'm not sure where to start with this. I was shocked when I reviewed my credit report and found late payment on this auto loan that was paid in full. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
At approximately XXXX XX/XX/2018 I recived an email from XXXX XXXX regarding Hard Credit Inquiry for something labeled as " Khols/CapOne ''. I did not apply for any credit recently and I am confident that this is fraudulent activity. 
I attempted to dispute the Hard Inquiry online with XXXX  but they did not have an option to dispute a hard inquire. I need to do what I can to dispute the Inquire, it is negatively affecting my credit and I'm concerned over further fraudulent activity. I would like an investigation so I can take proper measures to insure my credits safety and security. 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: Credit Plus Inc
State: NJ

Complaint narrative:
XXXX XXXX & XXXX XXXX of 2018 I received my credit profile from a mortgage lender ( XXXX XXXX  ) which included errors. My first thought was that the error was just a mistake, but when the second file had the duplicate entry I filed the dispute. Credit Plus is the credit report provider for mortgage companies and I am having a difficult time receiving information. I called twice on XX/XX/XXXX to follow up on my dispute and was cut short by one representative that was rude and not helpful. I emailed this company twice and was told they have to wait for the manager to assign the case to a representative. How long does this take? No one has acknowledge my request yet. This inaccurate information is having a negative impact on my credit and score. I checked my three reports with the major bureaus and do not see this duplicate entry ( XXXX XXXX line of credit ). This makes me believe that this Creditplus mortgage report is the one reporting incorrect information. Additionally, the mortgage company had to run my credit twice which has caused my score to decrease. I asked the company before filing the dispute if they will provide a new report and accurate score once complete and they stated no. The only way to regenerate the credit and score is to pay. Why am I being penalized for these companies reporting this improper data? I am in the process of getting a mortgage and this is hurting my chances of obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: MN

Complaint narrative:
At approximately XXXX XX/XX/2018 I recived an email from XXXX XXXX regarding Hard Credit Inquiry for something labeled as " XXXX/XXXX ''. I did not apply for any credit recently and I am confident that this is fraudulent activity. 
I attempted to dispute the Hard Inquiry online with XXXX but they did not have an option to dispute a hard inquire. I need to do what I can to dispute the Inquire, it is negatively affecting my credit and I'm concerned over further fraudulent activity. I would like an investigation so I can take proper measures to insure my credits safety and security. 

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 2018-09-22 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: OH

Complaint narrative:
I submitted a dispute with TransUnion credit reporting agency regarding a credit inquiry that was placed on my report by XXXX XXXX XXXX XXXX on XX/XX/XXXX. The inquiry was placed on my report after I initially submitted a dispute directly with XXXX regarding a 90 late that  was reported in XXXX of XXXX. The inquiry was not authorized and the dispute did not give permissible purpose to pull my credit report. I was told after contacting XXXX directly regarding the inquiry that the dispute is what cause the inquiry. I never asked or provided any consent or personal information to warrant the pulling of my credit report. In addition XXXX did not provide proof of me being late 90 days in XX/XX/XXXX. I was in forbearance during this period because my loans were in the process of being consolidated, hence why the account was closed 1 month after I was reported late. This account has been closed since XXXX of XXXX. Which furthermore validates my claim that this inquiry is unauthorized.

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 2018-09-22 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: Diversified Consultants, Inc.
State: KY

Complaint narrative:
A company Called diversefied consultants keeps reporting a debt from XXXX XXXX on my credit report. 
The dates are wrong, the balance is incorrect, everything is incorrect. I closed the account with a XXXX balance .... They offered free of charge to come pick up there equipment from my home and then a few months later sent me a bill for picking up the equipment and also at the same time for not returning the equipment. So they charged me for keeping the equipment and for them picking it up ... .. This is happening as well to alot of other consumers from what ive heard ... ... and its a scam and a crime. I work hard to keep my credit report atleast halfway decent, and if i charged something i would accept responsibility. But i didnt. 

And here is the kicker. Ive already had this removed from my report twice. And the credit bureas will remove it and then 6 months later let them re-report it ... ... Unreal ... so its back and forth with these scam artist blackmailing consumers. 

Ive heard rumors that my state attorney general is even looking directly into these con artist. 

I need help with this .... I shouldnt be punished for paying my bills on time and being a good citizen by some thugs intimidating people into paying them hundreds of dollarz for nothing or they will destroy your credit. 

Its sad that i have to take it this far. But i dont know what else to do ... .im so aggraveated, every account on my report is good standing perfect ... .and then there is this blackmail account dragging my score down so i cant get a home, a car, nothing because of XXXX   XXXX and diversified consultants which im sure is just a dba of XXXX  no doubt. What a scam. They have probably wrote the equipment off as a tax loss too when they know good and well they got it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: FL

Complaint narrative:
on XX/XX/2018i was sent a card WITH MY FULL NAME EMBOSSED ON IT. i did not request this card, apply, or in any way have EVER done ANY bussiness with this company. i could not get to talk to an agent as their phone system asks for my social security number before putting me through a rep and i am not giving them my social

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