vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my third time asking for an investigation of a bankruptcy ( XXXX ... ) reporting on my credit report. I asked in each of the three letters who verified this information. All three credit companies XXXXXXXX XXXX, and Experian  have said that the data furnisher is The United States Bankruptcy Court. I called the courts to verify this and they stated that they dont even report to the credit bureaus or third parties. XXXX and Experian even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investgation. Also XXXX, Experian, and XXXX state that they use XXXX to verify information. I have an attached letter from XXXX first showing that it is frozen and secondly that the bankruptcy was deleted out of there because it was incorrect, unverified and shouldn't have been in that report.

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 2019-09-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Urgent Please help Complaint against Real Time Resolutions On XX/XX/XXXX We received a letter from Real Time Resolutions. 

Back in XXXX we filed Bankruptcy and we thought this loan had been discharges. This company now come out of nowhere to try and collect a debit and threaten me and my family, that Real Time Resolutions may have the right to invoke a foreclosure based on the terms of the security instrument encumbering our property. The Bankruptcy attorney we used is no longer in practice. On the back of the letter Real Time Resolutions sent, it states under " Washington Residents '' ( We Live in California and they have no amount under this state ) we owe an amount of {$130000.00} that is higher than what they have in the front page which is {$83000.00} and it is a lower amount. We are concerned and stressed out since this is our primary residence. Not sure if this company is legit. 

On the question you asked if we tried to fix the problem I answered yes because I reached out to them to see what we can do. I have also requested proof of ownership of our loan and proof of loan purchased from XXXX via email to. 
XXXX XXXX at XXXX or XXXX Phone : ( XXXX ) XXXX fax : ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: GA

Complaint narrative:
This is my fourth time asking for an investigation of a XXXX XXXX XXXX XXXX ( XXXX ) reporting on my credit report. I asked in each of the four letters who verified this information and could they provide me with an original contract with my signature. I also contacted Portfolio Recovery Associates with several letters for proof of verfication and an original document with my signature and they also couldnt provide me with anything. After my second letter XXXX  deleted the account because they could not verify or provide me with proof. Equifax, and XXXX have refused to delete this information and even though they say the information is verified even though they have not provided me with proof. XXXX even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investigation. XXXX, and Equifax always claim they are re-investigating and each outcome on my credit results have either been stated that it is verfired or updated. Im still waiting for proof of verification along with original documentation with my signature. I even went as far as sending in a copy of my TransUnion report to show XXXX and Equifax that this account was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/XXXX I signed up for XXXX XXXX because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.

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 2019-09-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: GA

Complaint narrative:
On XX/XX/2019 my Direct Express Card was reported fraud use, we have reported the card twice and they said we have a new card on the way. XX/XX/XXXX the card they supposedly closed there was another fraud charge. This is my SSI benefits, I am a veteran I depend on this every month. The Direct Express Customer Service say 's we are working on it. I told them I don't live in California and the charges are from XXXX XXXX XXXX and a College in California. I lost {$700.00} this month and if this continues this will build up. People are complaining about this Company. The hold times are over two hours and at times they will hang up the phone. This is really effecting my way of life I can't depend on this company to handle my Government issued card. I am contacting the Social Security in XXXX, GA to try to get this Government Direct deposit changed. There is a lot of people not receiving there money back. I hope this doesn't happen to me. XXXX try calling you will be on hold for two hours and your problem will never get addressed. I don't understand why the government is not looking into this matter if you could help. We also tried to close the account and they said they have to send paperwork to me meanwhile my card is being charged. I have not be able to get this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY

Complaint narrative:
During a marital separation which happened in XXXX of 2018, we fell behind in our mortgage payment by one month with Vanderbilt Mortgage and Finance. Now that I am the only one residing in the home, I tried to refinance to lower my mortgage payment and interest rate. After securing a loan, a three way call  was done to obtain the pay off price between XXXX XXXX, Vanderbilt and myself. shortly after, an agent from Vanderbilt, who gave his name as XXXX, called me to discuss a two month deal that would be tacked to the end of the original mortgage. Being retired and on a fixed income, I agreed still thinking of refinancing. Well, XXXXXXXX XXXX called and told me that now I was two months in arrearrage, thereby denying loan approval. 
Now Vanderbilt is trying to make me complicit in an improper increase in my mortgage payment, I will attach all pertinent papers and correspondences with this complaint. They have cashed and endorsed a refund check that was made out to both of us by an insurance company I dismissed. {$1500.00} they claimed to apply to an insurance company provided by them even though I obtained my own insurance with XXXX XXXX. It is illegal to have two policies and I told them that. They still have insurance added in my mortgage even though the policy was sent to them by XXXX XXXX. I feel as though they have stolen my money and have placed me in a position that added to me having to be hospitalized with XXXX related issues. How is it that they confiscated my refund check, say that it went to pay for a years insurance, increase my mortgage by 500 % when I am paying my own insurance. This is a " Predatory ''  lender and must be held accountable by some means, I have tried to reach out to a Mr XXXX XXXX, who was all so happy when we were in the purchasing process, to assist us.

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 2019-09-19 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Collection account from Portfolio Recovery Associates is listed as having a balance of {$450.00} on my credit reports. I disputed with them onXX/XX/XXXX, and received a letter showing my balance as {$450.00}, which is not reported on my credit. They also said that further disputes would not be entertained. Due to the incorrect reporting of this account, it needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: AL

Complaint narrative:
On XX/XX/2019 my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/2019 I signed up for XXXX XXXX because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.

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 2019-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
On XX/XX/2019 my credit was fraudulently ran twice from this agency without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/2019 I signed up for XXXX XXXX   because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.

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 2019-09-19 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: VA

Complaint narrative:
Collection account from XXXX XXXX XXXX is listed as having a balance of {$450.00} on my credit reports. I disputed with them on XX/XX/XXXX, and received a letter showing my balance as {$450.00}, which is not reported on my credit. They also said that further disputes would not be entertained. Due to the incorrect reporting of this account, it needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: VA

Complaint narrative:
Collection account from XXXX XXXX XXXX is listed as having a balance of {$450.00} on my credit reports. I disputed with them on XX/XX/XXXX, and received a letter showing my balance as {$450.00}, which is not reported on my credit. They also said that further disputes would not be entertained. Due to the incorrect reporting of this account, it needs to be deleted from my credit report.

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 2019-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
On XX/XX/XXXX a second lien was added on my XXXX XXXX XXXX that I purchased from dealership. XXXX XXXX XXXX C/O HIDAY & RICKE PA. My mother who is joined by or and not and is on the loan and that is her debt that was not informed to me that would be  added. I am trying to refinance the vehicle to get it out of her name and only into mines however due to second lien i am stuck with high interest rate and high car payment. Hiday & ricke continue to state that i was informed when i was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX. The credit agency Experian, XXXX   and XXXX have not verified my dispute and refused to remove the Bnackruptcy from my report.

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 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion is reporting fraudulent addresses, accounts and inquiries on my credit report. This is my second request to have these things removed and I will resort to a consumer attorney to get this resolved. They are due to identity theft and it needs to be resolved ASAP.

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 2019-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/XXXX I signed up for XXXX XXXX   because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Nelnet, Inc.
State: TX

Complaint narrative:
T

his is a simple installment personal loan. They are charging daily interest as might be expected. But when you check the history on the loan their interest calculations are seemingly random amounts. Interest rate was 16.24 % on a {$50000.00} loan. With over 3 years of payments I still owe {$39000.00} any amortization schedule will show you something is clearly wrong with their math. In one case this year it shows only {$63.00} to Principal and the payment before or after that one was $ 500+ applied to principal. Essentially the problem has been they shift due dates, if 2 payments are made in a calendar month they do not consider it the next months payment. The biggest problem however has been getting anyone from the company to actually take me seriously as a customer. They just belittle their customers and will not explain anything about their interest or processes. It seems they shift due dates to try to get late payments or to get extra daily interest charges. I have a similar loan with similar terms and I have paid quite a bit more off the balance in the same time frame. They have excessively used number spoofing to call my cell. In general this has been one of the worst companies I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The credit agency XXXX, Transunion and XXXX  have not verified my dispute and refused to remove the Bnackruptcy from my report.

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 2019-09-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX. The credit agency XXXX, XXXX   and Equifax have not verified my dispute and refused to remove the Bnackruptcy from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMERCE BANK
State: AR

Complaint narrative:
All of my bills are set on auto pay. Business was slow for a week and was waiting to get paid. The bills hit the bank and it pulled my account to - {$1200.00}. With the associated fees of {$37.00} times 13. I had deposits going into the account but with the fees it didnt show positive for two weeks because the fees just kept adding up. I received a letter they are closing my account at the end of the month. Currently there is over {$2400.00} in the account and they will not let me withdrawal or close the account either. I have bills that need to be paid but the bank will not let me have my money. 

The manager said they will mail me a check after they close the account on the XXXX. Its the XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Regional Acquisition Group, Inc.
State: AL

Complaint narrative:
On XX/XX/2019 my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/2019 I signed up for XXXX XXXX  because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-19 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: TX

Complaint narrative:
This account in the amount of {$3700.00} was placed back on my credit reports after being taken off following an investigation. XXXX XXXX XXXX purchased the account. Previously a police report was presented with this account listed as fraud. All 3 of the credit reporting agencies removed this information from my report. It has now showed up under another name. I did not authorize this account. It was obtained fraudulently and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
Credit reports show that the account is charged off yet this account is settled and paid in full.

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