vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
My mortgage was serviced by XXXX up until XX/XX/XXXX. Prior to that I had filled for a modification that was denied but was offered a repayment plan. My initial payment was {$5000.00} which I paid on either the XXXX or XXXX of XX/XX/XXXX. XXXX notified us that the payment was late because even though I made it on the date we agreed on, it was made after XXXX. They never told me it had to be in by a specific time, a date yes, but not the hour. They suggested we fill out the application again and that the payment would be returned. We reapplied and they never returned the payment. Shortly after, I got a letter in the mail indicating that our loan was going to be transferred to P.H.H. Mortgage on XX/XX/XXXX. Come XX/XX/XXXX I made numerous attempts to contact P.H.H. to get my loan back on track. They instructed me that they would " put in '' for a modification packet to be emailed to me. I received a letter thanking me for reaching out and provided contact information for my relationship XXXX. I tried on many occasions to reach my relationship XXXX with no luck. I get routed to a different relationship XXXX every time. They never emailed me the application instead XXXX weeks later the XXXX dropped it off at our home. I filled it out and emailed it back to them. I've been calling every day since XX/XX/XXXX twice a day sometimes three. I have all the names of who I spoke to and their agent I.D . number for reference they keep telling me to give them " one more day ''. Just today XX/XX/XXXX they told me to give them " one more day '' when my foreclosure date is days away. After getting extremely frustrated they suggested I talk the foreclosure lawyers ( XXXX XXXX ). Why did they wait this long to tell me to contact them? I called them and they told me to call XXXX and have them " expedite '' the application. I also offered to pay to bring my account current. P.H.H. told me to contact the lawyers for a " reinstatement amount ''. I contacted XXXX XXXX and they told me to contact P.H.H. for the reinstatement amount since they ( XXXX ) are working for them ( P.H.H. ) and that they need to send a reinstatement amount or the temporary stop on the foreclosure. I called P.H.H. back and informed them of what XXXX said and they said that they were mistaken. Now I feel like they purposely want me to lose my home. I've been doing all the necessary steps to avoid foreclosure and they've been giving me the run around giving me the wrong information. I don't know if its because I'm XXXX or they just don't care about their customers. I feel hopeless, sadden with their lack of help. I'm stressed, I can't sleep at night trying to find last minute solutions. I'm don't know what else to do but ask for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
To put simply in 2 parts ... .one. my mortgage company had a issue with there billing system so they're systems showed and reported i was 30 days late on payment this problem was resolved an recalled from my credit report but did lower my score for a short time ... two my jcpenney credit card company is the problem they lowered my credit limit, thus affecting my credit scores, once i contacted the company they said it was because it showed the score affected by the mortgage company and also that i make two separate payments too close together thus making me think i paid my current and next payment early .only to find out their system applied both payments to the same month ... .so theyre systems showed i was 30 days late on payment that i had already paid ... .they claim theyre systems can not remove this error of lowered credit limit because of the late payment ( that i made believing it would cover said late months payment ) an error to my credit scores reflecting a lower credit score

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 2019-05-02 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:
First of all Transunion put a collection on my credit report which I have disputed twice. The biggest issue too is that the so called company XXXX XXXX has never contacted me, never sent me anything to dispute before they put on my credit card and has never responded in 6 months to verify. Yet Transunion verifies this type of fraud and does not actually investigate. 

here is a collection on my account that was posted in XX/XX/XXXX. I have disputed it with Transunion and I sent 3 letters of validation to this unknown company. I have never done business with XXXX XXXX or loan by phone. This company has never called me and never responded to any letter after over 6 months. Transunion I have been disputing since XX/XX/XXXX on and I have a feeling this is from the XXXX and now 2 other breaches my information has been leaked. Transunion is also at fault for having no information on this company or correctly validating any of this information. XXXX XXXX is fake or if they have been one of the robo callers that leave threatening recorded messages. I will never pay this collection company they never sent me anything by mail to dispute this and have violated the law and I will sue them for their violations of keeping on credit without proof, never responding to letters of violation and not never sending anything to dispute. With these violations alone I will sue for the max of {$5000.00} Consumer lawyer will has all of the documents and explained how they have violated the laws. Transunion is also at fault because since XX/XX/XXXX I have been sending them inquiries on my credit report that I never made and told them to remove and they still have not nor do they do their job in correctly validating them which has caused financial damage. I will not pay XXXX XXXX anything I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

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 2019-05-02 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: MO

Complaint narrative:
The following accounts are not mines and nor do I have any knowledge of these accounts. I'm asking that the following accounts be blocked from my credit report, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) 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 2019-05-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I have had the lease on this new XXXX XXXX  for two years in XXXX and have been notified that I had to make an extra amount added to my payment for personal property taxes, which I have sent to them. I received my personal property tax for my owned cars and thought, I wonder how much I am paying for the leased XXXX XXXX   comparatively. I thought it was a bit high and wondered if I was getting the Virginia tax break that we all get. 
So I called them and asked for a copy of the tax bill that XXXX county sent to them since I have leased the car. I had to call several times and finally had someone send me what I thought was the tax bills for the year and a half that I have leased the car. They only sent me the first half of 2019. I called them back and explained the situation and was told that they would contact the right department and have them send them to me, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My account was close on 2016 It was cancelled by me from a Capital One Company. This is my 4th time trying to dispute this Credit Card from my Credit. They not removing it or they dont want to, but I want them to understand it have been more than 2 years already on my Credit and I closed it. I dont own nothing either so whats the problem?.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient refuses to show me the contract i signed for an adjustable rate loan ( which i never did ). They keep lying and saying they will send me the contract if i agree to payments. They set up a false account in my name.prove that i signed a contract!! I went into the united states XXXX XXXX XXXX in 2005 the year i graduated highschool for 10 years after i left high school. All you all do is pray on people that cant afford attorneys after setting up fake accounts and then charge them interest they can never payoff. I am in the mortgage industry and i am 1,000,000,000 percent sure that i know you all violate governing laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: MO

Complaint narrative:
The following accounts are not mines and nor do I have any knowledge of these accounts. I'm asking that the following accounts be blocked from my credit report, ( 1 )  XXXX XXXX, ( 2 ) SXXXX XXXX XXXX, ( 3 ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: MO

Complaint narrative:
The following accounts are not mines and nor do I have any knowledge of these accounts. I'm asking that the following accounts be blocked from my credit report, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) 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 non-monetary relief
Consumer complaint received 2019-05-02 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:
I was late in the month of XX/XX/XXXX only XXXX. They are telling me when you they report absolutely not following Federal consumer guildlines.

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 2019-05-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was late in the month of XXXX only XXXX. They are telling me when you they report absolutely not following Federal consumer guildlines.

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 2019-05-02 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 — Problem with personal statement of dispute
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
This collection agency report me as joint account for medical bill for {$3800.00}, i never sign any papers the person was my wife, she applied for XXXX XXXX at that time cz she was nor working and they appeoved her case We never received any bill at our home adress In XX/XX/XXXX the collection agenct report it as unpaid charges to my credit report, i spoke with them many times they wont understand In XX/XX/XXXX they posted again for the same amount and there was no changes whatsoever I dispute it with XXXX and they said is accurate and the update was made for some changes which not true.this is a medical bill Since XX/XX/XXXX and i was not present or sign any papers to take responsibility, she did everything through charity care and even the bill was too much for emergency room

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 2019-05-02 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: IL

Complaint narrative:
XX/XX/19 I mailed in a copy of the FTC report XXXX, police report and credit report along with my ID, SS card and water bill to verify my info to have fraudulent accounts removed. 
XX/XX/19 I mailed in a request to block this information under FCRA 605B along with the above information. 
XX/XX/19 I tried to find out the status of my block request and could not access online. 
I called Equifax XXXX where two representatives were not able to verify my ID, trans to manager XXXX who verified my ID but stated the block request was entered only for certain accounts and is still processing. 

Block request confirmation # 's XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX US DOE No entry for XXXX XXXX XXXX, address of XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. 

I informed him that Equifax only had 4 days to block these fraudulent items and he stated they have 30 days to investigate. I asked for a manager as this is not in compliance with FRCA 605B 4 day rule & was told I would get the same info from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I used my online account at chase.com to send a payment via Chase QuickPay/XXXX, and Chase capriciously decided not to authorize the payment and then called me three times for " fraud protection. '' Two representatives claimed they would authorize the payment. Instead Chase blocked my access to my account and demanded that I go to a branch to authenticate myself. The nearest branch is 12 miles away, and I should not have to travel 24 miles round trip to be able to access an account I opened online when I lived in another state. I haven't been to a Chase branch in many years. I demanded Chase close my account and send a check for the balance to my address on my file, and Chase refused! How can Chase refuse to send me my money to my address on my file? How can a bank demand I travel 24 miles to access my account? Blocking access to a consumer 's funds for NO LEGITIMATE reason is outrageous. How can Chase hold my money hostage for no legitimate reason?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Back in XX/XX/XXXX Me and my wife had a chapter XXXX Discharge due to completion. In XXXX of XXXX I noticed our bankruptcy trustee was paying a creditor that originally was omitted back at the start of the bankruptcy in XX/XX/XXXX. In XXXX I told my lawyer about this and they said it was to late to do anything about it. So at post discharge I wrote a letter to the company and then another without a reply. I asked them to return the payments that were made by the trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: CA

Complaint narrative:
I filled out an application online and I thought it was a bank. I applied for a loan. This company was a lead company and shopped my credit to several different banks/lenders. I have since received numerous emails about being denied credit. I just emailed their contact email to stop but have not received a response. I want them to stop giving out my information immediately and delete me from their database. Please help me get this resolved. 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 2019-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I received my credit file and saw Acct # XXXX on my credit report. I sent a letter and ask for this debt to be VALIDATED and this debt was NOT VALIDATED it was VERIFIED. This is not what I asked for. I would like for this account to be DELETED off my CREDIT FILE for all CREDIT BUREAU that it is reporting too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2018, XXXX XXXX in XXXX, AZ, refused to get me a loan at the true market value of my XXXX XXXX XXXX XXXX  with XXXX miles. XXXX year old used car. 
Dealer produced by them, a manufactured XXXX XXXX XXXX price of {$6900.00} fully loaded. My car is not fully loaded. 
The correct price of this car on XX/XX/2018 was {$4300.00} for fully loaded. My car would have been less money. Dealer over charged me for the car- {$7900.00}. Auto dealer fraud. 
Credit Acceptance told dealer that the {$7900.00} is the price of the car or no loan. High pressure sales tactics. Lender took advantage of me. Lender refuses to tell me what my credit score was on XX/XX/2018, what is the minimum credit score? -lender refuses to answer me. Lender gave me a predatory car loan for 22.99 % in Arizona, where I live. The Arizona usuary rate is 10 %. There is no compounding interest in Arizona for car loans. 
Predatory lending is a practice that is unfair or abusive to the borrower. The fraudulent loan charges me almost 50 % interest. The total sale price on loan- charges me my {$1600.00} down payment. 
False advertising by the dealer on XX/XX/2018. Equity stripping by lender pursuant to FTC. Overcharging me for the loan. I was deceived by Credit Acceptance from the beginning. Unfair business practices and consumer fraud-deception. Credit Acceptance still has blatant disregard for the rights of innocent purchasers-me. Credit Acceptance does have the dealer invoice with the price of the car and my credit score.

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 2019-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
I noticed this collection agency on XXXX XXXX yet they never supplied me with a dunning letter or sent me any communication prior to placing collection on my credit report. 

There are two accounts, which I assume are duplicates. One is for {$300.00} and the other for {$300.00}. 

I have never heard of this company nor have I done business with them. When I sent them a debt validation letter, they ignored my request. 

I contacted the original creditor they listed ( XXXX XXXX ) on XX/XX/XXXX and they have stated that I do NOT have a collection with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Emergent Business Group, Inc.
State: NM

Complaint narrative:
On XX/XX/XXXX at XXXX MST I received a call from an employee of Emergent Services. He identified himself and his organization and indicated that I had been sent a letter last XXXX. He refused to disclose the subject of the letter or the nature of his organization. When I asked, " Is this an attempt to collect a debt? '' he became quite aggressive, saying things like " If you don't want to work with us ... '', notwithstanding the fact that he made no substantive response to my questions " Who are you and what do you want? '' " What was the letter about? '' " Is this an attempt to collect a debt? '' ( I asked that twice, and he hung up on me when I asked it the second time. ) It is my understanding that debt collectors are required to identify themselves as such and to disclose that communications that they initiate are attempts to collect a debt. In the present case, neither requirement was satisfied. 

I believe that this matter related to an auto loan for a new XXXX XXXX for which I cosigned several years ago. The borrower was XXXX XXXX aka XXXX XXXX aka XXXX XXXX, a predator who defrauded me of several XXXX XXXX dollars and who is subject to an Order of Protection issued on XXXX XX/XX/XXXX by a judge of the 13th District Court ( XXXX County ) of New Mexico. She made no payments despite assuring me that I would make none. She ran the car into the ground in a year, such that on repossession it fetched {$850.00} at auction. The original lender was 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 2019-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
I received my credit file and saw ACCT # XXXX on my credit reports. I sent a letter an ask for VALIDATION and this debt was not VALIDATED it was VERIFIED. This is not what I asked for I would like this account to be DELETED off my credit file for all CREDIT BUREAUS it is reporting to.

Company response to consumer: Closed with explanation