vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, I scheduled a one-time payment for XX/XX/XXXX via XXXX for my FHA mortgage. Later that same day, I deleted that schedule payment ( see attached payment deletion confirmation email received from XXXX on XX/XX/XXXX ).

On XX/XX/XXXX, XXXX withdrew the mortgage payment from my account ( despite confirming they deleted the payment authorization! ), putting me at risk of other payments being rejected ( copy of withdrawal screenshot also attached ).

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 2018-05-09 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:
I have contacted this credit reporting agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 XXXXs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. 

THIS ACCOUNT HAS ALREADY BEEN DELETED FROM XXXX, XXXX AND ALL OTHER DATA FURNISHERS. TRANS UNION CONTINUES TO NOT COMPLY!! THEY ARE IN DEFAULT OF ALL METRO 2/XXXX LAWS PARTICULARLY # 5 ON METRO 2 5-POINT RULES/LAW

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 2018-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Credit Control
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted Continental Credit CTRL to resolve a medical bill that was placed on my Credit Report. I had called them before I believe in XX/XX/XXXX asking why I was getting collection notices from them in regards to Radiology bills that were due to a violent crime. I gave them the Victim 's Assistant contact information as well as the Assistant D.A. as well as opposing counsel. They disregarded the information and placed the bills on my credit report. The person I spoke with XXXX XXXX at ( XXXX ) XXXX said on XX/XX/XXXX mentioned that she went over the notes and saw the previous info. I asked her then why was it on my credit report if they knew that I was a victim of a violent crime and that it was going to be paid via either restitution or by the Victim 's Assistant Program ( VAP ). I told her that I would check the correct fax number and mailing address for the account and call her back which I did and gave it to here within 10 minutes. She said after I have given her all the numbers and addresses for the VAP, that there was nothing that she could do. I asked her what that meant. She didn't have an answer. I told her that made no sense and why would they be so difficult to a person that was doing everything to get them paid and their credit clear. I asked to speak to her manager and he was unavailable. This company is very ill-informed about the VAP and their ability to pay medical bills if a person is approved. I attempted to explain that to her but she wouldn't listen. I guess their phone calls are limited by time therefore they talk extremely fast and don't have time to listen. Regardless, I spoke with them at least 4 times today to rectify this situation. As well as at least twice before on XX/XX/XXXX I called them twice XXXX XXXX & XXXX after being hung up on by a male.. I don't understand why a company representative from Continental Credit CTRL would be so difficult to a person who is doing everything in their power to get them paid. They are unprofessional and uninformed. They need more training on how to resolve medical billings on the proper XXXX   forms to insure payment. I also asked them if this could be resolved if I contacted the XXXX XXXX practice directly and for that she had no answer. Why are victims of violent crimes made to be punished by not only the assailant but by the credit agencies whom the survivor is trying to pay? This has caused a mountain of stress that is very destructive.

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 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a Bankruptcy in XXXX of 2011 which did not go through and was closed with out discharge by the BK court which makes not an official BK. I have disputed this with XXXX over the years to have it removed on several occasions to no avail and I am not happy. It is my understanding that XXXX searches for public records with out investigation and does not care to see if the BK is legitimate or not. I was told this by the BK court. Credit Bureaus should not be allowed to do this kind of unfair, predatory and hurtful practice on consumers and they should be punished. It has been on my report for seven years something that was just filled closed with out discharge and never official. The rules need to be changed on how you the credit bureau collect a serious public record information like this. If a BK is official and goes through the courts and is approved sure it is legitimate put it on the report. If it never goes through and gets discharged or dismissed you the credit bureau should have it as a public record on that persons report therefor hurting the consumer by reporting something that was never made official and was only a filed document. I am going to request again to please have my BK removed immediately. If it is not removed I will take further action and go as high as I need to go with the Federal Government to get this removed and make sure you the credit bureau don't hurt the consumer with this unfair and predatory practice again.

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 2018-05-09 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 filed a Bankruptcy in XX/XX/2011 which did not go through and was closed with out discharge by the BK court which makes not an official BK. I have disputed this with XXXX over the years to have it removed on several occasions to no avail and I am not happy. It is my understanding that XXXX searches for public records with out investigation and does not care to see if the BK is legitimate or not. I was told this by the BK court. Credit Bureaus should not be allowed to do this kind of unfair, predatory and hurtful practice on consumers and they should be punished. It has been on my report for seven years something that was just filled closed with out discharge and never official. The rules need to be changed on how you the credit bureau collect a serious public record information like this. If a BK is official and goes through the courts and is approved sure it is legitimate put it on the report. If it never goes through and gets discharged or dismissed you the credit bureau should have it as a public record on that persons report therefor hurting the consumer by reporting something that was never made official and was only a filed document. I am going to request again to please have my BK removed immediately. If it is not removed I will take further action and go as high as I need to go with the Federal Government to get this removed and make sure you the credit bureau don't hurt the consumer with this unfair and predatory practice again.

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 2018-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Sometime in XX/XX/XXXX A credit card was acquired in my name using my social security number in which the bill was not paid and sent to collections. I have not accurately checked my credit report until earlier this year and noticed this account. I have went back and forth with this company for months trying to get some type of validation. On XX/XX/XXXX I received a copy of the bill which list and inaccurate address for myself. I called XXXX XXXX and offered to give them a copy of my lease from my apartment complex or a copy of my bills from XX/XX/XXXX to prove this is in fact identity theft and what city and state I lived in. They would not accept it and the representative XXXX told me that it is my debt and I had to pay it or they would sue me. This company is unprofessional and use aggressive tactics to try and get you to pay a debt that they can not even prove to be yours. I have proof that is it not my debt and I have never lived in XXXX, IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I just found out that XXXX XXXX somehow obtained the home and cell phones of my parents and have been repeatedly harassing them daily. It is extremely distressing to my elderly mother, and she wants it to stop immediately. What XXXX is doing is ILLEGAL under the FCRA, and if they do not cease the illegal calls to my outside family immediately, I will take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: TX

Complaint narrative:
Application package was submitted on XX/XX/XXXX and was told we would have a 5 % rate I asked on XX/XX/XXXX if we were locked in yet. Our loan officer said our rate was not locked in yet. I asked him what we needed to do to get locked. He stated that we needed to sign the disclosures so we signed them and sent them back immediately ( e-sign ). 

Two weeks later the processor emailed me saying the loan officer was " ready to lock in '' our rate. I was very confused by this so I emailed the LO for clarification. He said that he didn't lock in the rate because we'd discussed floating down the rate. I told him that didn't make any sense because a loan has to be locked in order to float down a rate. 

A few days later he said we could lock in at 5 % at a XXXX cost. Since we'd discussed on XX/XX/XXXX that I wanted to lock in at 5 %, I told him I was not going to pay any points to get 5 %. 

A few days after that, he said he was working on getting the " rate lock fee '' of .5 % reduced. I'm in mortgages and that was the first I'd heard of any such fee. I'm still not sure what he was referring to, but my guess is he was still trying to get around making us pay for a 5 % rate. 

I found this to be extremely deceitful and misleading and I think if I wasn't in the mortgage business, I would not have known how untruthful he was being.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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:
I have contacted this credit reporting agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. THIS ACCOUNT HAS ALREADY BEEN DELETED FROM EQUIFAX AND OTHER DATA FURNISHERS. TRANS UNION CONTINUES TO NOT COMPLY!! THEY ARE IN DEFAULT OF ALL METRO 2/XXXX LAWS PARTICULARLY # 5 ON METRO 2 5-POINT RULES/LAW

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 2018-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Armada Corp.
State: WA

Complaint narrative:
I am trying to clear up my credit, I called to pay off the principle of my debt and asked if I could make a payment to pay off the balance less then interest, I was advised they could not waive the interest and I then requested to just pay off the principle today to stop accruing the interest on the accounts and I would call back at a later time to discuss the interest or contact the client directly about the interest accrued. They told me that if I paid on the account to day and it wasn't the full amount they are asking for then they could not promise I would pay off my assigned balance but that they " sprinkle '' payments towards interest and principle. 

I called the company that originated the debt from and they refused to take my payment of principle over the phone. They advised me that when they forward to collections you have to work with them only. I asked, what if I mail in a payment are you going to return my check to me? They responded that if you mail it in then they will actually post to the account.

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 2018-05-09 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: IL

Complaint narrative:
I have contacted this credit reporting agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, Experian, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 XXXXs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. THIS ACCOUNT HAS ALREADY BEEN DELETED FROM XXXX AND OTHER DATA FURNISHERS. XXXX   CONTINUES TO NOT COMPLY!! THEY ARE IN DEFAULT OF ALL METRO 2/XXXX LAWS PARTICULARLY # 5 ON METRO 2 5-POINT RULES/LAW

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 2018-05-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am on the phone with Equifax. After providing them with the correct information and other important information about myself on unsecured phone lines Equifax refuses to correct my report as it should have been to start with. This is a problem as anyone can use this to destroy my credit. They must be limited to your name SSN, DOB and current correct phone number and email address on file to protect Citizens. Equifax must send a code to allow Citizens to see their Credit Report and Score in real time once we have this information. Equifax also refuses to provide me with my correct and current Credit Report and Credit Score. Equifax has put me on hold for more then 10 minutes and just returned to the line. Equifax still insist 's that I pay them a fee of {$7.00} to send me my current Personal Credit Report with the Score. Through contact with my Bank, XXXX XXXX and XXXX I discovered that Equifax lowered my Credit Score 85 points from XXXX to XXXX and then again the next day another 3 points to XXXX. It is still going down and is incorrect. My Bankruptcy is older then 10 years and it is still being reported and used against me. There is no Mortgage information being reported even though I have two mortgages. A CALVET loan not reported to Equifax and VA loan now being reported by XXXX XXXX. It appears that there is a law that Credit Reporting Agencies are allowed to lower Credit Scores by as much as 100 points during the time a Mortgage has been transferred to another lender. This adversely effects Citizens and causes serious financial harm to the Citizen. It must be stopped in the interest of Justice!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
Me and the consumer fin.protection bureau have 6 pages of receipts from XXXX XXXX of XXXX XXXX   showing where I stayed from XX/XX/XXXX and XX/XX/XXXX and you are saying in my credit report by XXXX/XXXX that I was staying at your house from XX/XX/XXXX to XX/XX/XXXX.that 's your charge of XXXX.The dept of consumer service commissioner got the information on paper you would not answer me or the commissioner.if you want to keep reporting to XXXX/XXXX credit report you going to have to tell me and the c.f.p.b. what do I owe you for? and if you can not you or going to get off my XXXX and XXXX credit report, the c.f.p.b. has my permission to open my credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: FL

Complaint narrative:
I am asking you to open an investigation against the TransUnion credit company for having a wrong private information, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. 
TransUnion is putting in the credit system that I have an account with " XXXX XXXX XXXX XXXX XXXX XXXX '' # XXXX and that account is in delinquency. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. 
That account is from XXXX and I pay it in full, I have all the original documents, I give them a copy of them, and there is no record of that debt in my student account, and the documents explain the total payment of my account {$270.00} TransUnion has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information. 
TransUnion is committing a violation by : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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