vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX performed an unauthorized hard inquiry on 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 2017-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
HJR 192 XXXX THERE IS NO MONEY Company repossessed car despite giving promissory note and tax paperwork on XXXX, spoke to GMAC rep on XXXX who agreed to await for USPS certified mail yet repossessed that same night. I want my car back, loan only 41 days old. My signature paid for loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
LendMark financial is the worst company. There are always different balances on your account, but the little rude, ignorant staff members never want to explain where they come from. This company needs to be investigated. Asking to investigate them, if it is not done, part of the problem, will be that this place is going to have a lawsuit against them. Investigate them. XXXX NC branch. XXXX XXXX location.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I took out a payday loan in the amount of {$230.00}. It is now XXXX XXXX and I am still struggling to make the payment. I informed the company that I am going a serious financial hardship. They did n't really give me much time to make the payment. Since then I currently have a balance of {$310.00}, which is even more challenging. On XXXX XXXX I informed them that I can pay {$150.00} towards it but due to a recent XXXX  in the family I was not able to make the payment and they did not show any remorse or understanding.

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 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My address on my credit report is wrong. I was told by an Experian representative that I can not dispute personal information such as my address. I have talked to 2 people at Experian by phone. I first contacted XXXX or about XXXX. 

XXXX reference # for XXXX XXXX XXXX XXXX XXXX On my credit report it says I can file a dispute at www.experian.comXXXX but when I fill out the information and submit it says it ca n't honor the request to submit a dispute online. They actually said i can not dispute incorrect personal information such as an address I never lived at.

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 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In XXXX XXXX 2016 I was offered a job position, and they had to do a credit check that i had to pay XXXX for. I was denied the job because during my check it came back that my social security number belonged to someone else. After finally getting in touch with someone from XXXX they explained that possibly one of the credit agencies entered my social security number in wrong. I recieved my free reports from each agency, and there was an incorrect address on my equifax report for someone in Ohio. After sending in identification to prove that i am me, equifax told me the error is corrected. So i disputed this with the company that was checking my credit background for the job and once again i was denied the job because it said my social security number belongs to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
I purchased my home in XXXX XXXX via a conventional mortgage. The sale price was {$300000.00} and I borrowed 90 %. A condition I ensured was in my mortgage agreement was that I could get rid of my Mortgage Insurance if an appraisal valued my home at 80 % LTV at any time. I applied to have my home appraised in XXXX XXXX as all other condos were selling above {$350000.00} in my building. The lender then transferred to Rushmore in XXXX XXXX before an appraisal could be ordered. Rushmore then tried to deter me from actuating cancellation of mortgage insurance saying that I needed to wait 5 years of payment history. I had them verify my mortgage terms and see that they were wrong. They then ordered the appraisal in XXXX XXXX. The appraisal valued the home at {$340000.00}. My principal balance was {$260000.00}. 77.49 % LTV. When I called on XXXX XXXX to have my mortgage insurance cancelled, they said that I needed to be at most 77.5 % in order to cancel. I told them this violated my mortgage agreement and that my principal balance indeed qualified. They did the math and told me they would get back to me in 3-5 days. It is now one week later and 5 months of attempting and no resolution. Rushmore illegally moved the cancellation goalposts and have made it overly cumbersome. This is a predatory lender. I am a XXXX veteran. It was clear they were only putting up obstacles to avoid cancellation rather than just honoring the loan agreement. Besides, I have enough equity that their asset is relatively safe- there is no need for mortgage insurance. It is just extra revenue they will fight for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, I spoke to a rep by the name of XXXX. I told him that I was currently going through a financial hardship. I told him what can I do so that my account does not go into collections because I have good credit. He told me that I would need to make a payment of {$60.00} asap. I told them that I already made a payment of {$70.00} on XXXX XXXX which took care of what I was past due prevously. I told him that I could go in on the XXXX and pay {$70.00} so that it does n't show up late which I did. He also said he would remove the late charge {$38.00} so that it would lower my total balance of what I owed which total {$130.00}. XXXX told me my account was not late and I just check my credit report today and it says my payment is late which is is not and I am very upset.

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 monetary relief
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
To begin with, the letter sent demanding XXXX as a shortage on my escrow is illegal via RESPA and as of XXXX Maryland Law. It does not matter if my bills increase, if I pay into escrow additionally ( as I did this year ) or as in XXXX if the bills decrease as in my home owners insurance, the property tax was EXACTLY THE SAME as the previous year. I have received the huge demand letters before and they have been resolved, specifically since I am on a mortgage modification. 
So with that I paid into the escrow XXXX XXXX XXXX and for the remainder of XXXX paid XXXX. This leaves a credit balance of XXXX plus the XXXX I paid in XXXX ( estimated ) you do not have in the Escrow total at all. You estimated everywhere else, but not that payment to escrow and you auto -deduct. It is unfair to do an analysis with 11 months it is not a fair analysis of the Escrow for the year ... it skews things in the lenders favor. 

CREDIT DEBIT XXXX XXXX XXXX XXXX XXXX XXXX ( additional pmt supposed to be fixed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 11 pmts ) XXXX ( XXXX ) 12 pmts escrow ( XXXX ) - XXXX XXXX paid out Variance XXXX So you can calculate this two ways. You have a cushion of XXXX left after the XXXX payment which as of the date of this letter has been withdrawn from my account. OR I can contact the insurance company and I can attempt to pay my own mortgage ... therefore reducing payments into the escrow as you will only be paying around XXXX per annum. The variance in my favor to be refunded to me by the end of the calendar year ( XXXX XXXX ) would be XXXX less your cushion BY LAW, which I have calculated to the penny. 
Please see the attached Seterus letter for further detail and requests. This is not legal to my understanding of Maryland and Federal Law. Also the figures are incorrect. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Summary of Events : 1 ) - XX/XX/XXXX completed XXXX XXXX refinance closing and my Ditech mortgage was paid off by XX/XX/XXXX 2 ) - XX/XX/XXXX Ditech autopay was not cancelled and an extra payment in the amount of {$570.00} was issued to Ditech ; I contacted the both Ditech and the bank to try to stop the payment but was told that nothing could be done and I would have to wait for a refund 3 ) - XX/XX/XXXX I called Ditech to follow up and was told that a check was issued on XX/XX/XXXX 4 )  -XX/XX/XXXX called to follow up because no check was received but I had received other Ditech mail dated later than XX/XX/XXXX. Representative confirmed that check in the amount of {$570.00} and change had " been mailed out onXX/XX/XXXX '' and said that they could not do anything about it until 30 days after the date the check was sent. 

5 ) - XX/XX/XXXX sent a complaint via the Ditech Website, received the following response " Thank you for your recent inquiry. Your request is being reviewed and we will respond via U.S. Mail to the address of record. '' Based on my research of complaints about this company, this is a common occurrence and " 30 days '' is their typical response for delaying payments due back to customers. From what I have read, this will continue for a number of rounds while I am put off for another " 30 days '' multiple times for various reasons. Some people complained about just giving up and never receiving payments. 

First of all, I do not understand why they are not refunding the entire overpayment. I also feel like I should not have to fight or follow-up multiple times to get back a payment that is owed to me. I would appreciate any help that CFPB can provide to make sure that Ditech complies with RESPA rules and regulations. 

Thank you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Kia Motor Finance took two payments this month from my bank account. I called customer service because of the error by Kia. At first they were fine in reversing the payment ; however they said they would mail me a check in 10 days. I asked if their was some way to expedite it and if they could include the cost for the NSF fee my bank may charge. The initial person basically ignored my request and just restated i would get a check in 10 days. So i asked to speak to a supervisor. This is where the problem began. The supervisor. I believe her name was XXXX said she would not do anything because they were not responsible for bank fees and seemed to insinuate she would not refund the payment to me. She then tried to blame me saying the reason it came out twice was because I made a payment then set up auto pay which came out on the XXXX. However their own website said my auto pay was set to begin on XXXX/XXXX/XXXX. When I asked her why she just continued to blame me. Not only do I know I did not set up auto pay to start on XXXX Kia Fiances own website confirmed it was not set up that way. Not only did she threaten to not refund the payment but when I asked her for her full name she refused. I asked for the name of the previous person and her answer was imply " no '', and when I asked to speak to her supervisor her answer was again " no ''. Then I asked to be transferred to the complaint department and she transferred me to a totally unrelated department that when they answered told me they were the wrong department. This is a major Reg E violation. Not only did they not help but the manipulated the facts to shift responsibility the customer service supervisor should be reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I have made is the past payments towards my principal. This is in addition to regular mortgage payments Each time Carrington Mortgage services pretends these at all regular payments and charges me as if I was making payments several months in advance. The last time I made a payment of {$4000.00} toward principal, this was five days after I had made a regular mortgage payment. This resulted in interest of {$400.00} plus {$600.00} in escrow. this amounts to an effective interest rate of about 30 % on a XXXX loan. I called them on it and escalated it before they reversed it and applied it towards my principal Today - XX/XX/XXXX they did it again! I paid my regular payment on the XX/XX/XXXX and made an extra payment of {$1000.00} on the first of XX/XX/XXXX. They reacted like I was making a payment for XX/XX/XXXX. The charged me {$95.00} interest for 1 Day! + escrow for next month - Due on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: TX

Complaint narrative:
CRA VIOLATION REPORTING INACCURATE INFORMATION THAT I HAVE NO KNOWLEDGE OF PLEASE REMOVE

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 2017-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I spoke to a rep by the name of XXXX. I told him that I was currently going through a financial hardship. I told him what can I do so that my account does not go into collections because I have good credit. He told me that I would need to make a payment of {$60.00} asap. I told them that I already made a payment of {$70.00} on XX/XX/XXXX which took care of what I was past due prevously. I told him that I could go in on the XX/XX/XXXX and pay {$70.00} so that it does n't show up late which I did. He also said he would remove the late charge {$38.00} so that it would lower my total balance of what I owed which total {$130.00}. XXXX told me my account was not late and I just check my credit report today and it says my payment is late which is is not and I am very upset.

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 2017-11-02 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: Associated Credit Services, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I discovered XXXX XXXX XXXX XXXX XXXX for {$660.00} and {$690.00} had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This has been open for a few years now after they took me by ambulance after a car accident and I have tried telling them numerous times that I had health insurance. I have never been billed for that hospital stay or 2 ambulance rides I 've had since then. Because I HAVE health insurance, I HAD it then too. This keeps dropping my credit as they reinsert it without notification or answers. My car accident was i believe in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I discovered XXXX XXXX XXXX XXXX XXXX for {$660.00} and {$690.00} had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This has been open for a few years now after they took me by ambulance after a car accident and I have tried telling them numerous times that I had health insurance. I have never been billed for that hospital stay or 2 ambulance rides I 've had since then. Because I HAVE health insurance, I HAD it then too. This keeps dropping my credit as they reinsert it without notification or answers. My car accident was i believe in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
CRA VIOLATION REPORTING INACCURATE INFORMATION THAT I HAVE NO KNOWLEDGE OF PLEASE REMOVE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CarFinance Capital LLC, Irvine, CA Branch
State: TX

Complaint narrative:
XXXX bought my loan from Car Finance. Car Finance still reports my account open with a balance, after numerous disputes both with the credit bureau and with the company. Both companies report my account as open, overstating my debt about and duplicating my derogatory payment history.

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 2017-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
I have tried to dispute this debt with this company for the last 5 months. This company has failed to send me any validation letter, they refused to send me a 30 day letter. they refused to dispute this account even when I disputed with the credit reporting agency. They have this account listed under my credit report under Syndicated Office Systems & XXXX XXXX. They are rude. When I disputed in writing with them, then they started sending me letters that I owed the bill. I have called them in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX to dispute the bill, at all times they will tell me oh sorry I see suppose to be dispute do n't know why not in the dispute department, they refused at first tell me who the medical company was. I have been going back and forth with this. They will tell me oh you need to call XXXX and today they told me call another number in their company. Im frustrated they keep bringing down my credit score and reporting it each month like I have taken out credit with them. Something needs to be done I feel they have violated my federal rights and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: TX

Complaint narrative:
TRANSUNION INACCURATE INFORMATION MUST REMOVE IT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
With the recent outrageous Experian breach, I checked the website and it said we could be part of the 143 million consumers harmed by their lack of security. On the Experian website, at their suggestion, my husband and I both froze our credit because we were instructed that it could be unfrozen at any time. Now we are meeting with a loan officer tomorrow to obtain a mortgage loan to move closer to our children. When I attempted to unfreeze our credit record, I was informed that we must send a letter by snail mail along with {$10.00} each to unfreeze our credit. This outrageous extortion will cause my husband, age XXXX, and myself, age XXXX, extreme inconvenience. Ca n't anything be done about this travesty? We did not apply for this credit report with Experian and feel we should not pay anything for their lack of security practices. Shut that company down!!!

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