vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Wrong account was disputed back in XX/XX/2019 through XXXX XXXX, this account was a good standing account which I was a authorized user that my mother in-law XXXX XXXX put me on her account. The creditor company name was changed from XXXX home to XXXX  network, I was told from trans union that this account was deleted and effected my score I asked trans union to please put my history account back nothing happen. And creditors refused to report this account back, they told me they cant report close account, this is a wrongful disputed account please help me to get this account back on my credit report all my information are correct this effected my score when trans union deleted a positive account from my credit report help please.

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 2019-04-24 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: NC

Complaint narrative:
I am in shock that I have recently been the victim of identity theft for quite some time after reviewing my report it has gone on over a year. Someone has tried getting accounts in my name and I suspect it was a former person that lived with me but I am still sorting through the evidence. Thankfully I have not yet found any accounts that were actually opened and I am notifying everyone as the instructions on the attorney website explained and attaching three forms of ID also and following all instructions. The following is the list of inquiries I copied and pasted directly from the credit report minus accounts that are mine and I applied for. Also attached is the FTC report as well. Please not on the identity theft affidavit I accidently hit South Carolina as the state and it is supposed to be North Carolina my mouse must have changed it when I scrolled down and this address matched all my ID 's. Thank you. 

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Credit card or prepaid card — Gift 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:
Netspend.comisascam,iboughtprepaiddebitcardfor{$100.00}fromthemonXX/XX/XXXX.

Customerserviceislieinganddoesn'tmetohavemymoney.DebitCardwaspurchasedfromnetspendfromXXXXXXXX.

Netspendwon'tgivememoneyfrommycard.

"XXXX''XXXXXXXXTexas.

Card#=XXXXexpiration=XX/XX/XXXXXXXXXXXXXXXX

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 2019-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an account that has been closed and done with yet it still reporting on my credit report and XXXX is still showing it on my credit report and it reflects bad payments and making it hard for me to obtain a loan for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I currently have a loan with One Main Financial for about {$7000.00}. At the moment I have been struggling since I am a XXXX XXXX XXXX XXXX and only work part time and have a child to raise on my own. I used a deferment for the month of XX/XX/2019 and proceeded to make a possible payment for XX/XX/2019. This company doesn't communicate with each other at all or even try and understand your situation. They are extremely aggressive by calling my workplace multiple times a day. It's embarrassing since I am usual at school most day and afternoon I get to my desk with notes and comments about how many times this company calls and harasses my coworkers to get a hold of me. I work late hours and try to communicate as best as I can my situation with One Main financial but they are probably the most disrespectful and unorganized company I have ever dealt with I think my car loan company is more understanding and patient than this people. Their motto is " lending done human '' there is NOTHING human about harassment and verbal aggravation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

RENTAL PROPERTY XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX/CALIFORNIA XX/XX/2018 XXXX XXXX XX/XX/2018

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 2019-04-24 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX/CALIFORNIA XX/XX/2018 XXXX XXXX XX/XX/2018

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 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
5 Payments are missing or so XXXX XXXX state!

5 payments in the amount of {$1000.00} each were made to XXXX XXXX ( The same way each week via bill-pay from XXXX XXXX for the past 3 plus years ). Each week a payment of {$1000.00} was made. Each payment was electric from XXXX to XXXX some way for the last 3 years NO changes! It is set-up automatically for weekly payments. 

I noticed that my payments were not posted, so I called XXXX XXXX and they stated I did not make the payments. I called XXXX XXXX. XXXX XXXX and I called XXXX XXXX and once again they stated the payments were not made. XXXX and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. XXXX stated since no changes were made to the payments for the past 3 years they could not help me ( basically since I sent the payment the same way for the past 3 year with no changes electrically no fraud was found ). 

Below are the payments that are missing XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Have been trying to complete a short sale of my rental property to avoid forecloser. Had a Cash buyer XX/XX/XXXX. XXXX shellpoint Mortgage declined the offer, asking what the buyers intent was to purchase property, which was to help a friend and keep current tenants in the rental property. Shellpoint forced me to place property back on market XX/XX/XXXX sell price XXXX. Praise XXXX received offered for XXXX send contract to shellpoint who will not put a hold on foreclosure date of XX/XX/XXXX. The buyer is willing to close as soon as contract is approved. Shellpoint is refusing to work to stop the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I turned in a XX/XX/XXXX XXXX ( in lease ) for a new GMC XXXX. 3 months later my credit score dropped 90+ points. The credit check showed that GM financial put the a ding on my credit for 3 months past due on my old lease/ I called GM Financial and they said my dealer still owed {$42.00} on my returned car. I asked for a statement, as I recieved no notification from GM about this. They couldn't even say what it was for. The said they would fix it and my credit report would show nothing happened. 
We are now 6 months into it and my credit report has not improved. Still no explanation. I finally spoke with the dealership owner and they could find no information on what the " past due '' balance was about. They never received any invoice other than what GM Financing sent them at closing. I have copies of the invoice and the check. 
Now the dealer has paid GM Financial the supposed {$42.00} for the unknown charge. 
This may fix the mystery outstanding balance, but I am concerned that the blip on my credit will not be removed and my credit score will not  return to its original number. 
When I ordered all three credit reports XXXX the three bad marks are the only ones in my entire credit history which I have worked hard to maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 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: CA

Complaint narrative:
I have an account that has been closed and done with yet it still reporting on my credit report and Experian is still showing it on my credit report and it reflects bad payments and making it hard for me to obtain a loan for my business.

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 2019-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: LCS FINANCIAL SERVICES CORPORATION
State: NY

Complaint narrative:
I am the co-signer of some private student loans that my daughter had defaulted on back in XXXX. In XXXX I was notified by a collection agency that they would start proceedings to take my house if I did not start paying on the loans. My daughter was in the process of legal proceedings at the time which were going to result in state prison time so I set up a repayment plan with the collection company immediately. Since XXXX of XXXX either myself and then later my daughter have consistently made monthly payments to this collection agency for the amount agreed upon. At the time the collection agency took over the loan we owed them approximately {$24000.00}. Over the last 11 1/2 years we have paid them approximately {$35000.00}. The collection agency states we still owe them approximately {$13000.00}. We have never received documentation from the collection agency what the monthly interest rate and collection fees would be. This past XXXX they sent correspondence for two of the six accounts on what amount has gone onto principle towards the balance for those two accounts. We have received nothing about the other four accounts. For the two accounts they did send documentation for the following amounts were given -- opening balance on account XXXX, current balance on account XXXX and amount paid since XXXX on account XXXX. The other account had an opening balance of XXXX, current balance due of XXXX and amount paid since XXXX XXXX. If the other four accounts have similar scenarios how are we to ever get these accounts paid? At what point does it become extortion for these collection agencies to continue to pile on such exorbitant fees and interest year after year. When we make contact with the collection company they tell use we can send them a " pay off amount '' that is a huge lump sum, but without that there is nothing else they can do for us. By not providing us with the proper documentation of what their interest rate and collection fees would be are they in violation of our rights? Why have they not provided us with regular documentation of the accounts and why did they send us only information on two of the six accounts? Why is there not some type of amortization table provided by them since the beginning when we set up payments so we would know when the debt would be completely paid?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I alerted TD Bank to two potential fraudulent checks being cashed from my account in XX/XX/XXXXXXXXThey instructed me to come into the branch the branch and close the account and open a new one, which I did. I asked what measures can be taken to prevent this from happening. They stated nothing On XX/XX/2019 two fraudulent checks upwards of {$13000.00} dollars were cashed from my account. The same amount in which the first potential fraudulent activity was reported. The check was fabricated and the signature was electronically manufactured, and did not resemble my signature in any way. I was once again instructed to close the account, which I did. I filled out an affidavit of fraud inside a branch. They instructed me that there was no further action I could take, and that it may take 6 months for the case to reach global security and be assigned an investigator, in which afterward my funds may be returned to me. Two week later and The branch did not send my affidavit of fraud to the the td fraud department, it has not been filed with global security of placed on a list for an investigator to be assigned, After numerous phone calls and branch visits, as well as after filing a police report. 

No one at customer service, fraud or within the branch showed any concern with the matter, and refused to give me a copy of the affidavit or details regarding how and where the checks were cashed. 

They were clearly negligent in allowing blatant fraud and refuse to reimburse or guide me through the fraud process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PulteGroup, Inc.
State: IN

Complaint narrative:
OnXX/XX/XXXX, I signed to purchase my home. Prior to signing I inquired about the process because I have graduate student loans. I was told they would not be an issue. I applied with Pulte mortgage and was denied. 

After my denial, I talked to other mortgage lenders and obtained a pre-approval. I was then advised that because I am not using Pulte Mortgage I had to pay the closing costs. 

As an attorney, I researched the issue. I believe the financial incentive allowed for Pulte mortgage is contrary to what the CFPB has said. The idea was to protect consumers and place all lenders on an even playing field to protect from a housing crisis like what occurred in XX/XX/XXXX-XX/XX/XXXX. It is my belief the incentive offered to use their preferred lender is in violation of rules set by the CFPB. I talked to the sales consultant and was told that is their policy. I spoke to the consultant 's manager and was advised the same. I received a call from a Pulte mortgage person and was advised they will look into the issue. 

The acts of Pulte Builder offering incentive to use their preferred lender is unfair to other lenders and offers an unfair advantage to their lender at the detriment of consumers.

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 2019-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is a follow up to Wells Fargo response to XXXX. They did not accurately reconcile my account. They have misapplied payments and stating the wrong dates for outstanding amounts. This plays into the Loan Modification  in progress because they state I owe $ XXXX and that is not accurate. They are offering a loan modification based on erroneous information, increasing my payments along with the interest rate. Based upon documents attached and noted in the petition they Filed and the Bankruptcy records, the initial amount I owed was {$21000.00}. I paid {$12000.00} and {$9400.00} was included in the Chapter XXXX, which has now been converted to Chapter XXXX. Then beginning XX/XX/XXXX, I begin making monthly payments all through XX/XX/XXXX. Some of the amounts paid were based upon the monthly payment amount due and provided by the Tellers, when making my payments at the Branch office and some were partial payments. The trustee paid approx. $ 2K+ before I converted to Chapter XXXX and I do not see record on that in the Activity Statement they provided. At best, I owe the {$7400.00} ( originally included in the BK minus what was paid by the trustee ). That amount is specifically for the months of XX/XX/XXXX- XX/XX/XXXX, which is critical since the payment amount changed at some point. I want CFPB to take further action on this. I keep filing complaints and they are not handling this appropriately. They don't try to speak with me and always call during work hours. I'm tired of dealing with them and their incompetence.

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 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is regarding Violation of verification and reporting of installment account XXXX XXXX account # XXXX date opened XX/XX/2013. Negative items ( installment, revolving ) on my credit report ( s ), where I personally contacted the creditors and they could not locate any accounts under my name. I was also informed by them that they do not verify or provide information to 3rd party credit reporting agencies. How is it possible Equifax is reporting negative account information? Your assistance is greatly appreciated. Out 3 CRA only Equifax is the one that is reporting this account on my consumer credit report, not my account/ never had account with XXXX, incorrect " PACER '' data and violates FCRA provision 605,607,611 and 623a I have also submitted a complaint with the Federal Trade Commission and forwarded this information to my attorney to file a lawsuit against Equifax for reporting wrong information and damaging my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D.B.M.E., INC
State: CA

Complaint narrative:
On XXXX XX/XX/2019, XXXX XXXX XXXX attempted to collect a debt for the amount of {$320.00} USD. The original creditor is XXXX XXXX XXXX. Per the collecting agency that a membership agreement was signed online and a charge card was attached to another name. 

I have requested numerous time to provide a proof and validation of proof from both the orignal creditor and debt collecting agency but they have been unable to provide suce information. I was advised to resolve the matter with the club general manager but had to pay the debt in order to alleviate credit problems. 

I do however, have email communication from the fitness club representative/sales rep that they need our signature in order to bind the contract. We did not signed any contract with the fitness club that they can provide. 

The debt collector and the original creditor continue to call despite my request of validating and proving that I owe such debt. A formal letter is submitted signed by me to XXXX XXXX XXXX for the debt validation.

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