vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-02 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: MD

Complaint narrative:
THROUGH THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX.IVE VIEWED MY CREDIT REPORT AND DISCOVERED MULTIPLE ADVERSE ACCOUNTS ( COLLECTIONS ) THAT DID NOT BELONG TO ME.ALL ADVERSE ACCOUNTS HAVE MISSING INFORMATION, DIFFRENT REPORTED DATES, AND INCOMPLETE.IVE DISPUTED THE ADVERSE ACCOUNTS MULTIPLE TIMES WITH ALL THREE CREDIT BUREAU 'S WITH NO SUCCESS. ( XXXX, XXXX, EXPERIAN ) .IVE ALSO REQUESTED PHYSICAL PROOF OF SUCH ACCOUNTS WITH NO SUCCESS.ACCORDING TO THE FCRA, THEY MUST PROVIDE ME PHYSICAL PROOF OF ACCOUNTS BEING DISPUTED, AS WELL AS THE ORIGINAL-SIGNED CONSUMER CONTRACT IN WITCH THE BUREAUS HAVE FAILED TO DO.IVE ALSO HAD ONE ACCOUNT REMOVED THEN RE-INSERTED WITH NO NOTICE.ALSO THEY HAVE 5 DAYS TO NOTIFY ME OF A RE-INSERTION AND DID NOT, BECAUSE OF THIS IT HAS BEEN VERY HARD OBTAIN CREDIT.SINCE THEN IVE RECIEVED MULTIPLE HARRASSING CALLS FROM DIFFRENT CREDITORS THREATNING PUNISHMENT. 

OPEN DATE-XX/XX/XXXX-AMOUNT {$350.00} OPEN DATE-XX/XX/XXXX-AMOUNT {$610.00} OPEN DATE-XX/XX/XXXX-AMOUNT $ XXXX- ( RE-INSERTED )

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 2018-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Credit Corporation
State: CA

Complaint narrative:
Recently my family have been faced with unavoidable documented finacial hardships. My Wife "  XXXX XXXX '' and I, informed Avant of our finicial hardship. We ask Avant to work with us and informed XXXX of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need Avant to work out new repayment terms. We were unable to to Pay the Current excessive interest rate on our loan and we were unable to Pay current excessive monthly payment.. I was incouraged to reach out to all lenders to work out to Avant to work out a fair affordable repayment plan prior to Chapter XXXX bankruptcy. 


I also let Avant know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate and loan origination fees. 
Avant has also threatened to sue me and refused to work with me. 




Avant refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms. 
Avant is refusing to work out an affordable repayment plan so I can avoid XXXX XXXX Bankrupsy by lowering my interestrate and montly payments. 
I feel taken advantage of by Avant I feel Avant took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive interest rate and loan origination fee 's on my loan and with excessive montly payments on a {$2500.00} loan. Unfair lendin I was never sent a default letter my email nor by mail, Avant is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan. 

Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have sent a formal complaint to the Office of the President at Fifth Third and have attach this complaint to detail the exact events. Fifth Third did call and said they would respond by XX/XX/XXXX as requested in my complaint, but I have learned Fifth Third makes promises quite often that they don't keep.

To summarize my complaint on requesting a loan on a vacation home. I was approved for this loan on the 2nd wee k of XX/XX/XXXX. I put in an offer on the third week of XX/XX/XXXX and my loan manager at Fifth Third started the process. I submitted all documents within 24 hours of informing them of the accepted offer. After this point it was one thing after another as you can see in my complaint to Fifth Third. There lack of knowledge for handling a condo, HOA, and vacation home created one delay after another. Around the second week of XX/XX/XXXX I called my account manager and asked him to escalate the issues with management because dealing with the processor and underwriter were impossible. At this point I think I was flagged to fail because things only increasingly went downhill. Two weeks before my close they claimed the unit was considered a condotel. Once i offered supporting information from HOA and building owner that debunks the notation this building/unit operates as a condotel. Then it was some open litigation which again I was able to get the HOA legal department to demonstrate this was normal slip and fall and fall covered under the building liability insurance. This is when I was moved over to the VP in the mortgage department. She felt she could build a case for me and get this moved as a exception and approved. The morning of my close I was told legal and the bank president denied my request. I requested a simple document to present to the seller in hopes to extend my contract stating they refused me based on the " condotel '' and litigation claim, and they stated they would but never did. This decision and the length of time to make this decision has cost me financially because of prearranged travel, purchase of materials, and now needing a hotel at location in an effort to find a solution. To top this all off they promised to respond to me by XX/XX/XXXX but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My Last name is XXXX. TransUnion is refusing to update my last name from XXXX even though I have called numerous times and have provided all documentation they requested and last I spoke with TransUnion they said they could not update it. This is frustrating that I can update my own information to be correct

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 2018-02-02 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: CURO Intermediate Holdings
State: TN

Complaint narrative:
In XX/XX/XXXX, 2 letters were delivered to Curo XXXX and XXXX  stating that an old inquiry still hasnt been removed from my XXXX Credit Report. Curo XXXX completed a credit report inquiry in XX/XX/XXXX. XXXX should have removed the inquiry within 2 years which should have been XX/XX/XXXX. The inquiry still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: Byrider Franchising, LLC
State: IL

Complaint narrative:
I filed bankruptcy XX/XX/XXXX this debt was discharge and XXXX continues to do hard credit checks without my authorization XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX these are just some of the times they have run my credit without my authorization I want it stopped immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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 — Problem with personal statement of dispute
Company: ALCHRO INC.
State: FL

Complaint narrative:
Today I got letter from XXXX about a dispute account : XXXX XXXX XXXX XXXX for XXXX that account show on my report they sent me today ( XX/XX/2018. The letter said we have reviewed your concerns and our conclusions are : The disputed account XXXX XXXX XXXX XXXX XXXX is currently not reporting on the XXXX credit file. 

How is that????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I once again file a complaint of numerous complaints Last complaint you may reference it XXXX, XXXX you state you will remove the negative account from my credit report but it is currently still showing a negative trade line in my equifax file please receive it immediately as it does not belong on my credit file as we had resolved on my prior report. I have also gone ahead and filed a identity theft report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 

These con artists improperly used our confidential company information, ran multiple credit reports, used out bank information to take unathorized withdrawls from our accounts, and never ONCE contacted us. Even after we had XXXX get involved they continue to take money from our account without notice or reason. We have tried repeatedly for months to get them to close our account and remove all information from their system as we do not want anything to do with them. They do not return calls and they continue to steal. They " sell '' a multitude of products that they don't actually offer or support. 

There is not one single legitimate aspect to this business. 

Avoid them at all costs, do NOT give them any 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 monetary relief
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
XXXX-17 XXXX XXXX {$230.00} Didnt receive any notification from of this debt, no phone calls and no notification in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
XXXX XXXX has failed to communicate instructions on the process of the short sale and now the homeowner is at risk of losing the property. On XX/XX/XXXX, we requested that Rushmore open a file to have the property reviewed for short sale. They advised that because their system reflected an open loan modification review, that they would need to have that closed first in order to have a short sale opened since both could not be opened concurrently. I made them aware that this needed to be escalated since their was a sale date approaching on XX/XX/XXXX. On XX/XX/XXXX, I followed up with them to see if it had been completed and the representative advised that it had not but either way, we would have ample time to proceed with the short sale especially since we already had a buyer. Again, I reached out onXX/XX/XXXXand spoke with another representative who advised me to send in an authorization along with the listing agreement to their designated fax number. He advised that this would at least open up the workstation. I faxed in all documentation the same day. I understand that it takes Rushmore approximately 24-48 hours to have the information uploaded into their system so i called back on XX/XX/XXXX to confirm receipt that the fax had been received. At that time, i spoke with someone who confirmed receipt and went over what other document they would need to proceed. We gathered all the documents and faxed them out onXX/XX/XXXX. I called yesterday to confirm receipt and spoke with a Rep that they had been received but that the short sale would not be reviewed. When i asked why, he advised that the information would have had to been complete 30 days prior to the foreclosure sale date ofXX/XX/XXXX. I tried to explain to him that this is not what was being told to us and we followed the instructions of all the previous representatives that i had spoken to. He rudely advised that me being in the industry would have know this obvious guideline. I let him know that i in fact have been in the industry for quite some time and also know that it is Investor specific and that it is customary that the Servicing company advise you of such guidelines depending on the Investor. He still disregarded anything i had to say and advised that either way they were going to proceed with the sale of the property. I just cant believe the level of service from him I received and just find it unfair especially to the homeowner who fought so hard to prevent foreclosure in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
on XX/XX/XXXX we were late with a payment I called in made the payment that was late and was told fees would be waived. on XX/XX/XXXX a XXXX dollar fee was charged. and online it showed a XXXX dollar fee. we called in and were assured there was no fee but that we still owed XXXX cents which was weird but for XXXX i wont wast my time. on XX/XX/XXXX the XXXX was paid and again we were assured we were current with the loan. on XX/XX/XXXX. 1 day. before the next due date. we were charged another XXXX dollar fee. I beleive i am being constantly targeted for fees becauae i have had so many in the past

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 2018-02-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Credit Reporting Agency, Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. 

Account Name : XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
I disputed this company XXXX XXXX in the  beginning of XX/XX/XXXX because I never had an account sigh the company they are trying to collect funds for and they verified it was mines so I did what the XXXX credit bureau agency told me to do and called waypoint XX/XX/XXXX and gave all information needed they stated they have no record of me in their system then all of s sudden had found information and i have them my previous and current address which didnt match their systems being that the address i gave them XXXX XXXX XXXX that i been living at since XX/XX/XXXX and recently moved to North Carolina and they said they couldnt tell me anything about the account because that isnt the right address which I dont know what address they are looking for me to verify and i asked why are they reporting a debt thats not mines on my report and they could not answer at all i also in XX/XX/XXXX sent them a debt validation letter under my fair debt collection reporting act and never got anything in response by law i should be able to get documentation showing me how the debt is mines

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD bank used time ordered deposits, this caused excessive fees due to lack of celresiting same day and lack of availability. over 18 months i was charged {$21000.00} in fees. Many were driven by nominal transactions on days when direcr depaoits were received

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: EQUIFAX, INC.
State: TN

Complaint narrative:
InXX/XX/XXXX, 2 letters were delivered to XXXX XXXX and Equifax stating that an old inquiry still hasnt been removed from my Equifax Credit Report. XXXX XXXX completed a credit report inquiry in XX/XX/XXXX. Equifax should have removed the inquiry within 2 years which should have been XX/XX/XXXX. The inquiry still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: NY

Complaint narrative:
The dealer who handled my documents did not properly transfer the title, leading the vehicle to get repossessed. He misused my Identity ( ID fraud ) In the interim, he prolonged the time in correcting his mistake, resulting in the car to be sold. I then contacted the initial financing company ( XXXX  ) explained the situation and provided them with documentation. Because I was left without a vehicle after financing it, I went to the Dept of Motor vehicle and put in a complaint. Upon the DMV 's instigation, the dealer was fined for faulty practices. I have contacted the collection company in regards to this matter as well as XXXX XXXX   to properly report on my credit report. I gave XXXX the police report, showing the vehicle was repossessed due to the title not matching the plates and then sold and I had no longer possess the vehicle. XXXX stated they will not collect the balance on this account because I provided proof of the fraud that was committed. However, they continued to report this fraudulent debt on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I had some unauthorized charges on my account with in the past 6 months and haven't noticed until tax time. So I disputed this with Chase Bank and of course they won't help you recover your money. They only want to take it from you. I had 2 charges happen a few days ago before I started the dispute. Chase sent me a letter 1 week later saying they were sorry and can't recover the funds that were taken because they were over 3 months old. What happened was the banker in the dispute department filed all the charges under the same claim in which was his fault. So they couldn't reclaim the money because the the oldest charge was over 3 months old. Even the new charges that happened days ago couldn't be reclaimed because the banker filed those with the old charges. So Im out of money and after 7 years with Chase Bank I will be closing my account with them and never going back. They have the worse customer service and rules. Never in my life seen a bank make a mistake and not fix it. Its not like they were losing any money on their end. They just didn't won't to help me recover mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
I've been a customer of Coinbase.com for about 1 year. On XX/XX/XXXX our bank sent them a wire transfer of {$200000.00} USD. IMAD # : XXXX XXXX On XX/XX/XXXX Coinbase sent us an email which read " You recently sent a wire to fund your Coinbase or XXXX   account for {$200000.00}. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing ... '' see attached We sent them an email on XX/XX/XXXX and all we received was a robot response. see attached Today XX/XX/XXXX I went online to see if there were others having this problem with Coinbase and yes there were many. According to the others the best way to resolve their issue with Coinbase was with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: SC

Complaint narrative:
Account Date Open XXXX SERVICES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Whenever a third party accesses your credit report, a notation referencing that action termed an " inquiry '' is made on your credit report. Unfortunately, the presence of inquiries may negatively impact your credit score. The more inquiries present, the faster your credit score may drop. 
Close XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2017  XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX via XXXX XX/XX/2017 XXXX XXXX   XXXX via XXXXXX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX   XXXX XXXX via XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017

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 2018-02-02 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: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX tried to unfreeze credit record Co. claimed they could not find any record I have had credit fo 40 years and credit freeze for 10 yrs

Company response to consumer: Closed with explanation