vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My mortgage was transferred to a new company effective tomorrow and nobody ever provided any notice at all. The only reason I know is because of the welcome e-mail that I received today, 1 day before the transfer is effective. They are supposed to provide 30 days notice. Ditech did not do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
THE MEDICAL DEBT WAS SET UP IN PAYMENT PLANS AND PAYMENT WAS BEING MAID. THEN IS WAS SENT TO A COLLECTION COMPANY. DEBT WAS PAID IN FULL AND ACCOUNT WAS NEVER TO HAVE BEEN REPORTED TO MY CREDIT REPORT BUT YET IT WAS. THIS EFFECTED MY CREDIT WORTHINESS SEVERLY WITH INCORRECT DERAGATORY INFORMATION

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 2019-03-14 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: CT

Complaint narrative:
Transunion has failed to updated my XXXX wireless account. Month after Month they continue to mark my account as " settlement '', not paid in full and FP  ( failure to pay ). This is, despite being directly notified by XXXX themselves. Please see the attached letter from XXXX. 

I find it mind boggling that as a working person I would need to go to this extreme level in order to get information corrected on my credit report. It isn't the first time with Transunion. What will it take for them to change their ways?

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 2019-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: CT

Complaint narrative:
Vehicle has multiple issues with the electrical system and am in the process of working with the attorney general to refund money paid and hold the dealer liable for the loan. Westlake financial is refusing to let me put the payments on hold pending the outcome of the lawsuit. 
The vehicle is currently sitting in my driveway for over two months dead unable to be driven.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XX/XX/2019 I was financed for a XXXX @ XXXX by XXXX XXXX XXXX. I drove the vehicle and had issues with it and called and asked if I could trade it for another vehicle, possibly a truck. The salesperson ( XXXX ) said that it would not be a problem " we can do a trade if that is what you want. '' I called on the next day and XXXX answered saying that XXXX was not there. I stated I was supposed to do the trade today for another vehicle. He responded that XXXX will be in tomorrow. I never received a call to confirm from anyone, so I went in to the office the next day and XXXX asked me to wait so that I can sign the paperwork. I received the keys to the truck and drove it for 1 week. A mechanic said that the 4WD is not good on this vehicle. I returned the truck on XX/XX/XXXX and called prior to get all documents needed to rid myself of this business. I signed 1 document ( indemnification document ) and received words from XXXX XXXX ( store manager ) that he would send an email the following Monday to end the deal. I have yet to hear from anyone at the location after making several attemps to call and visit since XX/XX/XXXX. I have contacted TDA finance and they have both vehicles still under my credit and 1 account shows late. The agent stated that I will be receiving calls soon from the collections department if there is not a payment made. I called XXXX sales and still no answer, call or contact. The store manager is never in the office and none of the other staff have a clue on what should be done. I have contacted the Corporate office to only get the same treatment. This has affected my credit and is also absorbing large amounts of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I did not authorize SANTANDER CONSUMER USA to review my credit report. I have a extend fraud alert on my credit reports. SANTANDER CONSUMER USA did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize XXXX XXXX XXXX XXXX to review my credit report. I have a extend fraud alert on my credit reports. XXXX XXXX XXXX XXXX did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and Experian reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I was applying for a rental property and was denied because they said I had a collection on my account from XXXX which I had no knowledge about been trying to dispute it and XXXX told me that the ss number that the company has is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have requested XXXX and associated companies no longer contact me via work where they have been harassing other employees, frequent phone calls after XXXX. They are now contacting FAMILY MEMBERS that live out of state that they have no way of even knowing these people 's phone numbers. I have advised them on XX/XX/19 that I am filing a complaint with CFPB as well as having an attorney contact them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am a Care Credit cardholder. The enrollment was made for XXXX expenses of {$2000.00}. under my husband 's name because I did not have credit history on that moment. After my school loan, Care Credit is my first experience of credit card. Unfortunately, I did not know enough about credit cards. 
During the enrollment process I was talking on a phone with Care Credit representative who did not educate me and did not provide clear information about loan interest on top of that they were misleading about how fees work. And I was only provided with an agreement and Care Credit booklet by the XXXX office and received nothing from Care Credit. Everything that the representative said to me sounded as If I fail to pay the debt in full by the end of promotional period, i must pay accrued interest on the remaining balance. I made my first payment in XX/XX/2017 and continue to pay till now. Since i do not have enough experience with credit cards, I had no clue that all this time I paid just interest for {$1400.00} and owe {$2000.00} because of my late fee and interest. Care Credit online payment page looks confusing, it does not say any word such as fee or interest. Instead of it the page shows minimum pay due then make payment and view payments ... also i can't see my whole history of payments, only last 12 months another problem that I had with Care Credit, I could not reach representative on a phone to explain this situation to me I reached only recorded voice with the options to press buttons which sent me to recorded voice all over again and only yesterday my coworker gave me an idea to press 0 and I finally spoke with representative and was told how much I owe. The options I was given stressed me out more. I owe {$2000.00} and all period of time i payed interest and late fees, and if I continue pay minimum amount as it is shown on the web page, it never ends ...

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 2019-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/19, an unauthorized XXXX recipient was created and one minute later {$500.00} was transferred out of my savings 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 monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent Flagstar Bank a completed application for Mortgage assistance. At that time, I was only behind 1 month. I never heard from the company and was not provide with any updates on my request. In XX/XX/XXXX, I called again and was finally advised that my application was cancelled and closed because I was missing information. The agent who advised me of this could not tell me what I was missing but did tell me to reapply, so I did ( dated XX/XX/XXXX ). At this point, the online platform is not allowing me to make any payments. Now, after not hearing anything from the company again, I called for an update and was advised that my loan was in foreclosure status and that i could not be given any information!! They still will not accept ANY payments and completely refused to offer any kind of assistance although I have been trying since XXXX of the previous year. I was provided with a foreclosure attorneys contact- XXXX , XXXX & XXXX , XXXX- ( XXXX ) XXXX. Their online platform no longer allows any access to any documents post XXXX of XXXX. I no longer have access to any records of my document uploads and they are attempting to force me to pay attorney fees to have my loan reinstated!. The last notice that I received from them is dated XX/XX/XXXX with a payment date of XX/XX/XXXX. Nothing prior to that for the current year.

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 2019-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Home Mortgage services my loan. XXXX # XXXX. At their prompting I began to set up online access to my loan for information and payments. While reviewing the terms and conditions I found language that would give Wells Fargo permission to disregard some of the benefits granted by the VA loan guarantee. In particular, VA loans require that lenders allow early payoff without penalties and fees. If I had agreed to the terms and conditions I would be giving Wells Fargo the right to decide whether they wanted to allow early payoff or not. I clicked that I did not agree with the Terms and Conditions and stopped trying to access Wells Fargo online. I received numerous emails requesting that I finish setting up the online account. I spoke to Wells Fargo Home Mortgage on the phone to stop the harassment. I was informed that I would continue to receive emails because they were automated. They said if I wanted to stop them I would need to finish setting up an online account and go through the notification preferences. I explained that was not an option because I was unwilling to sign away the benefits of my VA guaranteed loan. They lied and said that I would not be doing that. I informed the customer service rep that the language was indeed in the terms and conditions they said that Wells Fargo would never exercise that condition. I requested that I be mailed a paper copy of their online terms and conditions. My request was refused because I had chosen to not participate in their online services. I wonder how many Vets have unwittingly signed away their protections just for the privilege of making online payments?

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 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: FL

Complaint narrative:
I did not authorize XXXX to review my credit report. I have a extend fraud alert on my credit reports. XXXX  did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: NJ

Complaint narrative:
I have attempted to freeze my credit report with experian multiple times using their website form and calling their various phone numbers. 

Each time I fill out their webform to freeze my credit ( https : //www.experian.com/ncaconline/freeze ) the result is a page that says they can not process my request and I should compile some personal documents and mail it to them. 

This is absolutely ridiculous as there is no risk to my financial health for freezing my credit file. No scammer has any incentive to freeze my credit file, just the opposite. So there is no justification for them to require me to provide further proof of identity to freeze my credit file.

Furthermore, in the text of S.2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act, credit reporting agencies are required to freeze credit reports within one day, that is impossible if they are making me mail documents to their processing center. 

I also attempted to resolve this problem on the phone with Experian, calling XXXX XXXX EXPERIAN ( XXXX XXXX XXXX XXXX ). There is no option to speak with a human on this automated system and the options do not address my problem. In fact, this system also instructs me to mail documents to their " Freeze Processing Center. '' I believe that Experian is not complying with S.2155 and creating artificial barriers to freezing credit reports. 

Attached below is the splash page from their website that tells me they can not process my credit freeze request online and must mail documents to them.

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 2019-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
My mortgage servicer Mr. Cooper sent me this letter stating they were declining my request for mortgage assistance because of excessive obligations. I resent the request for mortgage modification with a letter of explanation for bills on my credit that other family members pay. The other reason they declined the modification request was I didn't accept a modification offer. I have not received a modification offer from my mortgage servicer. I want to pay my mortgage mease y mortgage loan is a FHA loan. and I don't want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I disputed a collection account on my credit report inXX/XX/XXXX that was put on there by PROCOLLECT. They didnt send back enough proof but just a one page printout of a bill I supposedly owed XXXX XXXX. I sent them back a letter asking for the entire bill which they state they didnt get. 
XX/XX/XXXX I Also contacted XXXX at XXXX XXXX to get a copy as I had already spoken to XXXX in XX/XX/XXXX about sending me different bills for the same Account that was closed. 
XX/XX/XXXX In a message I have recorded XXXX Explained to me that since the account is already at PROCOLLECT it will take them at least 48 hours to get the billing history from PROCOLLECT since they werent providing it to me. I could also attempt to get the same from PROCOLLECT. 
XX/XX/XXXX I sent a certified letter to procollect that they still state the didnt receive. USPS tracking number XXXX. 
XX/XX/XXXX. I recieved a call from PROCOLLECT that I have a recording of in which the representative stated 1. Falsely stated that they have never recieved any of the information for requests that I sent. and she wouldnt listen to anything I said.

2. The representative stated that thier client who is XXXX  had not reached out to them.

3. Falsely stated that I refused to pay 4. stated that if I dont pay by the XX/XX/XXXX they'll just re-report it to the credit bureas.

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 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I did not authorize CAPITAL ONE AUTO FINto review my credit report. I have a extend fraud alert on my credit reports. CAPITAL ONE AUTO FINdid not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX  reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: Mr. Cooper Group Inc.
State: AE

Complaint narrative:
I am a military Service Member currently serving XXXX. Nationstar Mortgage LLC damaged my credit profile with derogatory information while I was XXXX to the XXXX XXXX serving with the United States XXXX in XXXX and XXXX. The adverse information is reflected as 120-days late and prevents me from obtaining a home loan or credit card. Nationstar Mortgage LLC should not have entered derogatory information on me while XXXX. My credit profile was coded for XXXX XXXX   XXXX during this timeframe. This is covered under the Service member 's Civil Relief Act ( SCRA ). Service members have 90-days after their return from the XXXX XXXX to rectify mortgage accounts. Credit restoration should be applied to this account immediately. I have attached a statement certifying XXXX military service and also Department of Defense ( DOD ) XXXX orders.

Company response to consumer: Closed with explanation