vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Back in XXXX while checking my XXXX credit report I found a negative payment showing from XXXX XXXX XXXX.It showed that I was delinquent for {$1000.00} I contacted XXXX to dispute it and it was removed. On XX/XX/XXXX I received a judgement in the mail from XXXX XXXX XXXX looking for the amount of {$2400.00}. I had no idea what this was about and tried to contact them to find out what this was. They could not give me any information so I contacted a lawyer by the name of XXXX XXXX in XXXX. I paid him {$800.00} to retain him and he contacted XXXX XXXX XXXX. They too could not tell him what or who it was for but he told me if he could negotiate it down it would be easier than fighting it as it becomes expensive. He stated that this is the business practice of XXXX they just go in and get a judgement without my having any knowledge whatsoever that they are doing this- never notified at ll. He got it down to {$1000.00} which I paid and was told that my credit would not be affected. Well now my credit score has plummeted as it was put on my Experian report. I disputed it and XXXX XXXX will not remove it. They had to remove it from XXXX  and XXXX  as they had no proof that it was mine and it was not mine. But it was cheaper to pay the money to this company than to fight it. Experian will not remove it and it is not right as it is keeping my score very low. My bills are usually paid in full each month and I believe that whatever information that Experian got from this XXXX XXXX company was incorrect.

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 2018-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
I submitted an online application to GuaranteedRate.com, including my social security number and authorization for a credit check, on XX/XX/2018. I never received a response about whether I was eligible for a loan. 

My understanding is that the lender is supposed to provide a loan estimate within three business days after I apply. I followed up multiple times with the lender and never got a yes, no or maybe. 

I heard back from the loan broker on XX/XX/2018 requesting some documents, which I provided on XX/XX/2018. I then followed up several more times and each time the broker said he'd get back to me " within 24 hours. '' I made my final request for information on XX/XX/2018, and was told they would get back to me " today. '' I understand that not everyone provides good customer service, but this is very upsetting to me because now I have an inquiry affecting my credit score for one year, and nothing to show for it. Furthermore, the inquiry undoubtedly caused my score to drop which affects my ability to get this loan from someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I have a lot of hard inquiries that I didn't give permission

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I opened a Capital One secured credit card. In XX/XX/XXXX, i requested to close the account and use the secured portion to pay the balance of the card and close the account. In XX/XX/XXXX, i received a notification from the 3 credit bureaus that I subscribe to, that a 30 day delinquency had been placed on my credit report for this account. I contacted Capital one to discuss the issue to no avail. in the same month ( XXXX ) I immediately disputed the late which showed 30 days past due. The 30 day past due remained on the XXXX XXXX report but had been DELETED and did not appear on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX but on the XX/XX/XXXX report shows not only 30 days but 60 days late as well. This negative reporting has hurt my credit rating as well as, I've been denied credit based on this negative reporting. Again, the account had been previously removed from my credit file and re-inserted again as a delinquent account. PLEASE HELP. Also, i send a letter on XX/XX/XXXX to the credit bureaus asking them to delete the inaccurate information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NE

Complaint narrative:
On XX/XX/2017 I was involved in a car accident in where I was at fault and I didn't have insurance at this point because I had just gotten the car, police then arrived on the scene ( because the people I hit called them to make sure everything would go smoothly ) the police then issued me a ticket and I was ordered to go to court. I went to the court date and was ordered by the judge to pay all fines including their deductible on their vehicle and did that in a timely manner and I was made to believe that everything was settled in court. Yesterday I received a call from a women at Wellman Weinberg and Reese company LPA.  She was very rude, threatening and abusive from the very start of the phone call, she then proceeded to tell me that I owed over {$3000.00} to the insurance company of the individual that I got into the car accident with. I tried to explain to her that everything was settled in court and that this happened almost a year and a half ago, she proceeded with being rude and threatening with no explanation.. She again threatened me with a lawsuit with zero explanation other than " That was the law, this is the insurance company ''?? I continued to try and argue the point that this happened going on two years ago now and she gave no explanation in return ... She continued to be extremely rude until she hung up on me and then I received one last threat of a lawsuit and was hung up on. I would appreciate your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
On XX/XX/XXXX I tried to place a security freeze on my Experian credit report via their website at https : //www.experian.com/freeze/center.html I tried to do this three times, all unsuccessfully. Each time, the website stated that I would need to provide a police report in order to place a freeze. I do not have a police report, as I am not a victim of identity theft. However, under the Economic Growth, Regulatory Relief, and Consumer Protection Act, a law enforcement report is not necessary to place a security freeze.

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 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have a lot of hard inquiries that I didn't give permission

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 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I have a lot of hard inquiries that I didn't give permission

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 2018-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My XXXX credit card bill is due on the XXXX every month. On XX/XX/2018 I made a payment of {$50.00} over the phone with a lady named XXXX. I confirmed with her that the amount I paid was correct. She said yes that is correct. The following month on XX/XX/2018I went to shop at XXXX XXXX, and I was told by a worker in XXXX name XXXX at the XXXX location in XXXX CA who told me that my bill was not paid. I told her that I did make the payment and he told me I would have to call customer service. So then I called the XXXX customer service over the phone and I explained the situation to them. I spoke to a gentleman named XXXX. I explained to him that my XXXX bill was not late because I had already made a payment of {$50.00} on XX/XX/2018. He said he would look into it, so he did some research and came to the conclusion that I was short an extra {$5.00} on the bill. He said he would wavie the late fee as well as other charges that I had on my account because it was not my fault that I was not told the entire amount for my biil that day on XX/XX/2018. He did that so that my account would be back current and I won't have a negative impact on my credit report. I have just received my credit report today and I have a 30 days late negative impact on my credit report that needs to be removed 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 explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: AR

Complaint narrative:
Hello, I have been having consistent issues with my lender, regarding getting my student loan forgiveness process started. A about 4 years ago I was contacted by a counselor from XXXX-XXXX. She contacted me on behalf of the Federal Student Loan program. She stated that she had someone on the line that was wanting to speak to me about starting payments on my loans, and helping me enroll in the forgiveness program. After speaking with the man on the phone, he stated that if I made consecutive payments of about {$200.00}, for about 8 months, I would be setup with the student loan forgiveness program ( I have bank statements showing the withdrawal of these funds ). Fast forward to now and I am still getting calls and letters stating that the interest on my loans are still increasing, and now requesting payment. I contacted the loan department of education, and explained all of this to a young lady on the phone ( I also recorded this conversation if it is needed ). She advised me that there are 3rd parties that will charge you for this free service. I questioned her further and advised her that I was contacted by my counselor, and she called me and connected me to someone working for the Department of Education. She advised me that she would email everything that I needed to start the forbearance process. I sent all of the requested info. in, including my most recent pay stub. The process was only approved for a month, and then I received a letter stating that the information I supplied was not enough to determine my monthly gross pay. Again, I supplied all the information that she requested. This has been highly frustrating considering that I already paid money month after month, that I didn't have, to start a process that still hasn't started. This whole thing seems like a scam. I have also contacted a firm that is already working cases like this, and have been advised that my loans qualify for forgiveness. Any assistance you can offer would be greatly appreciated. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Was offered a new loan when I went in to make a payment i told them I was not intrested at this time maybe in the near future I let the salesman talk me into letting him filling out paperwork so that it would be ready when I decided to Come back Was told that Nothing would be filed until I returned, at this time after I left they ran my credit anyway then when I came back a month later to complain that they had run my credit without my permission But now I was ready to take out a loan but was not going to do anything till they removed that unauthorised inquiry because I did not want yet another inquiry on my credit so they were supposedly looking into this and while they were doing this they ran my credit again thinking that if he got me aproved that I would just forget about the whole thing. I never even said anything to me about running my credit I found out when I got home and had an alert from XXXX XXXX.

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 2018-09-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX called from above number told me they were charging me with fraud and garnishment my original debt is XXXX and said I will owe XXXX if I dont pay them right now and be charged with fraud. They. Called my work spoke to my supervisor who passed on the voicemail I did notify the lady who identified herself as XXXX XXXX that the call was recorded and I was going to persue this further as her tactics sounded fraudulent and illegal and not to contact me again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I have a loan with USAA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and USAA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XXXX, XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I have a loan with USAA FSB. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and USAA FSB with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I have a loan with USAA FSB. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and USAA FSB with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Received several ( each 2 hours all day ) which were ROBO Calls from XXXX XXXX ( XXXX ) XXXX. Announced that if I was a specific person, I should input 1, if not input 2. I input 2. I input 2. I was told to pause the message to input 1, which I did. I was then told to get the particular individual and get them to the phone. Then the ROBO call went back to if you are " " input 1 If not input 2, but then added if this is the wrong number input 3. I input 3 and the message went back to if you are " " input 1 and if not input 2, at which point I hung up the phone and and took down the information and called them back to put in a complaint. 
The first thing they asked for was the phone number associated with the account. I explained that I had no account with them and that we had no previous business arrangement with them ( which is why I tried to register this as a violation of the do not call registration. I also told them that I did not appreciate the harassing ROBO calls and to remove my phone number from their records. 
I got in touch with the specific person ( who does not live here and has not given our number ( XXXX ) to XXXX XXXX. Evidently they got my phone number from public records and decided to try to collect a debt using constant harassment. 
The harassment started before noon today, and had a repetition rate of once per 2 hour period, until XXXX this evening when I finally had enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Round Point Mortgage Foreclosed and sold my home during a VA Loan Modification application process but they neglected my application and Denied modification process to protect the best interest of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. 
Round Point Mortgage stated they sold home to another recipient for around {$220000.00} and it wasn't sold to XXXX, Texas Real Estate XXXX XXXX. 
XXXX sent me a note that him and his wife bought my house at XXXX County Auction from Round Point Mortgage Law firm XXXX XXXX XXXX. 
So, Why is Round Point falsified that XXXX XXXX is not the recipient who purchase my home at auction? 
Also, HOPE Program Rep called Round Point Mortgage and assisted me on VA Loan process, we called twice and the second time, Round Point Mortgage Rep stated they sold the house at the auction on XX/XX/2018. 

A completed application was faxed and emailed and Federal Government has evidence and one last note, Round Point Mortgage was given evidence on my XX/XX/XXXXXXXX and Pain issues and under Prescribed Medications and XX/XX/XXXXXXXX Treatments with my Primary Physician and Surgeon Dr , XXXX XXXX XXXX. 
Round Point Mortgage has violated my ADA Disability Civil Rights Act under Department of Justice and has Discriminated and Retaliated against me because I filed various Federal Complaints and because I am XXXX XX/XX/XXXX and a XXXX US Military Veteran. 
Since Round Point Mortgage has violated Federal and State Law in selling my home and facing alledgations of VA Loan Modification, VA Loan Fraud, Corruptions and Frauds there should be a Financial Restitution of the equity  of my home to accommondate me on my new home that I like to persue in California. 

Respectfully, {$8000.00} is not enough to purchase a home in XXXX, California. I need a home to be retired in peace and nurse my XXXX XXXX. 
Round Point Mortgage Law Firm doesn't want to accommondate me on my XXXX and not honoring and supporting me as a Military Veteran.

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 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have file a complaint with the federal Trade Commission over a issue that has been on going since XX/XX/2018 I need my credit report update properly for the third time with all 3 credit bureaus Trans Union, XXXX, and XXXX. Please see attached complaint.

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 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been a victim of identity theft.

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