vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I called XXXX for a car to pick me up at a particular address. The driver showed up at a different address and refused to appear at the proper address and XXXX  charged me for the ride. I called American Express about the fraudulent charge and after going through many representatives ( including, but not limited to, XXXX ( last name refused to be given but purportedly in the XXXX XXXX office under ID # XXXX ) and XXXX ( purportedly her supervisor who only gave a 5-digit extension that is purportedly his ID number for employment and other purposes ) but they were unwilling to handle the fraudulent charge as it had not cleared their system. I have properly reported the charge under federal law - their refusal to take the dispute is, individually and as a company, perpetuating the fraud. I have also informed the individuals who refused to take a proper complaint that I will be traveling and do not have the time to continually chase American Express to handle a properly filed claim and it is up to them to implement their own procedures to handle a claim, which both XXXX and XXXX refused to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Mr. Cooper is my loan servicer. The loan originated in XX/XX/XXXX. I was ok 'd for a modification XX/XX/XXXX. I sent the signed loan modification papers back in XX/XX/XXXX. Mr. Cooper could not find them. In XX/XX/XXXX they scheduled a mobile notary. Papers were signed and returned. I didnt hear anything and was unable to make a payment. After calling, I found the notary did not stamp the papers so they placed the loan in foreclosure instead of contacting her or me. 

I contacted the president of Mr. Cooper and they are trying to help straighten out the mess they created. However I have a new servicer XX/XX/XXXX so that is a complication. 

They admitted they made a mistake but didnt say they filed court papers. I was served by a sheriff and have had numerous realtors send me offers. Very embarrassing. I am assuming the modification will go through but foreclosure could be an issue. The secondary issue is neighbors seeing the sheriff and realtors seeing a notice. What are my rights? What is Mr. Cooper 's responsibility?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I paid a {$300.00} payday loan to XXXX XXXX. The loan originated in XX/XX/XXXX. Upon recently reviewing credit score A deragatory remark is shows from Ad Astra Recovery debt collector showing XXXX XXXX account for {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have pulled my credit file and filed a dispute with XXXX XXXX with this Report Created On : XX/XX/XXXX File Number : XXXX : unlike the other Credit reporting Co. I have received some way to track the disputed issues they have in my reports : On the day I called that morning of XX/XX/XXXX and I talked to Trans Union employee XXXX, I will out line once more ( XXXX ) on the end of my name is fuels I will state it once more I am a single child with no children and have never filed a contract with this at the end on my name if they have put in on there it can not be because of my age and if this is so this would be Age Discrimination - EEOC : and other dispute I filed was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX : and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX I have no way to track theses disputes Let it be noted that the Trans Union employee XXXX told me three times on the phone that I would have to Pay them money for me to look at my FICA # and review any thing on my file as I received and Partial copy via internet of my credit report from the XXXX XXXX XXXX it was not a full copy as required by LAW! and a copy my mail was not sent. as of yet. I want clear Access to my Trans Union credit file when a dispute is on going : As of XX/XX/XXXX I have received 5 emails from Trans Union : saying " you can see your file and Trans Union score '' - but is was a marking emails for me to buy Their alleged credit Protection programs and not my disputes on file as of right now I do not know if they have done anything about the disputes I have giving them and requested these dispute be removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Larry H. Miller Group of Companies
State: CO

Complaint narrative:
This dealership is the reason the CFPB was formed given their multiple violations of consumer law during our experience on XX/XX/2018. During the negotiation process for a new vehicle we were forced to execute what was indicated to be a required compliance document several times, yet when they tried to reintroduce fees we had already requested be eliminated for ancillary products and services they were unable to produce the previous versions of this required compliance documentation. 

We left the dealership for two hours while they supposedly shopped our credit with financial institutions. They indicated with a strong credit profile we should expect 3.88 % or better, however, when we sat down to sign final documents and immediately requested that we first confirm our loan APR term, it was indicated to be 4.49 %, even with a 850+ middle FICO score and more than 30 % down. When we questioned this rate we were told the APR is determined before you get to my department but I think I have a coupon that could get you a better rate P if you are willing to open a new account at a credit union. We declined and they were not able to produce the approved rates they received for us at any other institutions, even though they indicated earlier we would be an ideal fit for their lender partner XXXX that specialized in 800+ FICO borrowers. It was an indication to us the dealership & /or manager was receiving an incentive to try and place our loan with the 4.49 % institution they did even though it was not the best qualifying rate for our loan terms. They hadnt even shopped our great credit with their parent XXXX even though there was an active promotion for 3.86APR for well qualified buyers for our specific vehicle and our preferred 60-month loan term. When we inquired as to why, the manager indicated they were unaware of the promotion and a second manager indicated our FICO didnt mean we would get that rate because XXXX may not like our credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Requested the help of the companies to remove the inquiries I am not aware of. Customer service refused to help me Barclays Bank Delaware XX/XX/XXXX Barclays Bank Delaware XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As you can see there a multiple. Again I am not aware. 
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 2018-05-27 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: NJ

Complaint narrative:
XXXX XXXX Credit Card for Reported : XX/XX/2018 - {$14000.00} is not mine

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 2018-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
XX/XX/2017, I called and cancelled account that was no longer under contract. The amount was roughly $ 200 monthly but is now {$800.00} plus which is not accurate and needs to be removed from my credit asap. 

The debt needs to be taken off since there is no contract with XXXX and I am with a new wireless company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Requested the help of the companies to remove the inquiries I am not aware of. Customer service refused to help me XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As you can see there a multiple. Again I am not aware.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: NJ

Complaint narrative:
XXXX XXXX Credit Card for Reported : XX/XX/2018 - {$14000.00} is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27 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: NJ

Complaint narrative:
XXXX XXXX Credit Card for Reported : XX/XX/2018 - {$14000.00} is not mine

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 2018-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I HAVE A CAPITAL ONE CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON CAPITAL ONE CREDIT CARD BILLING SITE. THE ONE I MADE ON CAPITAL ONE SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE. CAPITAL ONE REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27 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: TX

Complaint narrative:
I HAVE A XXXX XXXX CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON XXXX XXXX CREDIT CARD BILLING SITE. THE ONE I MADE ON XXXX XXXX SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE. XXXX XXXX REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.

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 2018-05-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE A XXXX XXXX  CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON XXXX XXXX CREDIT CARD BILLING SITE. THE ONE I MADE ON XXXX XXXX SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE. XXXX XXXX  REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27 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: TX

Complaint narrative:
I HAVE A XXXX XXXX CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON XXXX XXXX CREDIT CARD BILLING SITE. THE ONE I MADE ON XXXX XXXX SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE.

XXXX XXXX REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.

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 2018-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MI

Complaint narrative:
I am a current charter spectrum subscriber, when I signed up for the current service I told the rep there was a previous bill of {$75.00} dollars. He called into his supervisor and was told that balance had been taken care of and there was no bill to pay, now almost 2 years later I see a derogatory remark on my credit report saying I owe {$99.00} to ERC for XXXX XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Someone keeps trying to get a Chase card in my name. The company wrote me, and told me that who ever was trying didn't have all the information. Therefore they denied the application, but I have a lot of hard inquiries because of it. From checking my credit report, this has been going on since XX/XX/XXXX. I only applied once, and have the XXXX  card. I applied inXX/XX/XXXX. I want to take all those hard inquiries off my report because they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: TN

Complaint narrative:
Someone keeps trying to get a XXXX card in my name. The company wrote me, and told me that who ever was trying didn't have all the information. Therefore they denied the application, but I have a lot of hard inquiries because of it. From checking my credit report, this has been going on since XX/XX/XXXX. I only applied once, and have the XXXX card. I applied in XX/XX/XXXX. I want to take all those hard inquiries off my report because they are fraudulent.

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 2018-05-27 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: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
I have been unsuccessful in trying to reach out to Nationstar regarding incorrect balance of my existing VA mortgage loan with all three credit bureaus. 

I have been unsuccessful in reaching out to Nationstar regarding not accurately reporting 'all ' payments that have been made regarding my existing VA mortgage loan to all three credit bureaus. 

I have been unsuccessful in reaching out to Nationstar regarding the correct credit score updates that should have reflected all of my payments that were made on time to all three credit bureaus. 

The above needs to be urgently corrected and updated so it does not continue to feel as if I am renting my home. I should see a reflection of updated credit score points with each mortgage payment that I have paid since the time I had purchased my home. 

The above issues I am asking Nationstar to address in an urgent manner and to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: AL

Complaint narrative:
After becoming 60 days behind on an auto loan I called XXXX XXXX XXXX to arrange payment of two payments in two days ( when I got paid ) the representative refused to accept the post dated payment and demanded I made payment that day or the the loan would be put into default and the the car repoed in which I couldn't for two days and I was hung up on. Car was repoed a few weeks later. Not only was I not sent any of required documents regarding the sale and the remaining balance personal items including a GPS several hundred dollars worth of my wife 's school books and other things where left in the vehicle and after several attempts to get these personal items they continued to refuse unless some form of payment was made.

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 2018-05-27 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: IN

Complaint narrative:
I have been unsuccessful in trying to reach out to XXXX regarding incorrect balance of my existing VA mortgage loan with all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding not accurately reporting 'all ' payments that have been made regarding my existing VA mortgage loan to all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding the correct credit score updates that should have reflected all of my payments that were made on time to all three credit bureaus. 

The above needs to be urgently corrected and updated so it does not continue to feel as if I am renting my home. I should see a reflection of updated credit score points with each mortgage payment that I have paid since the time I had purchased my home. 

The above issues I am asking XXXX to address in an urgent manner and to be corrected.

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 2018-05-27 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have been unsuccessful in trying to reach out to XXXX regarding incorrect balance of my existing VA mortgage loan with all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding not accurately reporting 'all ' payments that have been made regarding my existing VA mortgage loan to all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding the correct credit score updates that should have reflected all of my payments that were made on time to all three credit bureaus. 

The above needs to be urgently corrected and updated so it does not continue to feel as if I am renting my home. I should see a reflection of updated credit score points with each mortgage payment that I have paid since the time I had purchased my home. 

The above issues I am asking XXXX to address in an urgent manner and to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: IN

Complaint narrative:
I have been unsuccessful in trying to reach out to XXXX regarding incorrect balance of my existing VA mortgage loan with all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding not accurately reporting 'all ' payments that have been made regarding my existing VA mortgage loan to all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding the correct credit score updates that should have reflected all of my payments that were made on time to all three credit bureaus. 

The above needs to be urgently corrected and updated so it does not continue to feel as if I am renting my home. I should see a reflection of updated credit score points with each mortgage payment that I have paid since the time I had purchased my home. 

The above issues I am asking XXXX to address in an urgent manner and to be corrected.

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