vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I was 2 months behind on my mortgage payment, last month on XX/XX/2019 I Paid up to date including late fees. ( through the bank website ), This month I tried to make this month payment Come to find out that I was hit with almost {$100.00} in late fees, I call the bank, they kept telling me the website wasnt accurate. 
Got treated badly Ditech finances do not care about customers or their situation, all they know is $ $ XXXX was mean and had her mind set on not giving me resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2018 ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below COLLECTIONS  XXXX XXXX XXXX ****XXXX {$370.00} XXXX  XXXX  XXXX ****XXXX {$1000.00}

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 2019-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I was recently surprised to learn that Radius Global Solutions reported a {$61.00} medcial bill on my credit report. Prior to reporting this debt on my credit file, I did not receive my 30-day notice to dispute. Failure to produce this notice is a violation of my rights under federal collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
The mortgage is from XXXX XXXX, serviced by PHH Mortgage I was charged twice an inspection fee of {$11.00}, both on XX/XX/19, when asked for an explanation i was not given one. They just say I agreed to it by signing the loan docs. When i asked to talk to a supervisor i was refused, saying someone will call me back ( which hasn't happened ). 
I was also charged attorney fees of XXXX on XX/XX/19, even though the loan was brought current in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I received an email from USAA which I still have that says they were going to give me a restitution payment in the amount of {$180.00} due to mishandled requests for disputing payments between XX/XX/XXXX and XX/XX/XXXX. 

Today is XX/XX/XXXX. I have still not received my payment. They continue to give no reason for the delay and even stated they have paid other members this already. My next step is to take them to small claims court. 

If you would be so kind, I see in the news CFPB required USAA to pay this. Please ensure they do what you told them, as they are just being a bunch of cheap liars as far as I'm concerned and will be switching banks shortly after receiving my very delayed restitution payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have an account with XXXX XXXX- XXXX . I have paid the account to XXXX by working 2 and 3 jobs, however the company keep running my credit which I work hard to build ( by paying them to zero ). They are running my credit without my permission. However, I didn't authorize it because I don't want an increase or any business with them right now. They came back and reduced my credit line causing a massive 27 point decrease. This is a never ending situation with this company. Unauthorized pulls on my credit ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian .XXXX .XXXX is reporting false information on my credit report and is refusing to provide me verification of accounts from XXXX XXXX I have attempted several times to get proof from Experian but all they tell me its verified but my question is how its been verified with what paper work

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 2019-04-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2018 ) by means of a XXXX XXXX XXXX, Transunion has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX 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 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
My wife and I are in the process of buying a home and when doing a credit check for a Mortgage we were denied. The representative then referred us to a credit advisor who told us much to our surprise that the biggest thing holding us back was a {$120.00} XXXX ( the cell phone co. ) bill now in collections. I say surprise because when we left XXXX in early XX/XX/2017 we thought everything was settled, we even had verbal confirmation from one of their store reps that everything was up to date and good. This apparently was not the case. Not only did we have no idea of this debt, we did not receive any information from XXXX or a collections agency. Honestly if it wasnt for the advisor we probably would have never known how damaging this was to my credit. With all that being said I do want to make good on my debts. So I contacted XXXX and told them I want to get them off my credit report and to give me the figure to make them disappear, which was the amount said earlier. XXXX told me if payed in full that it would be deleted from my credit report. I was then told by XXXX to contact the collections agency handling this case. While discussing this issue with the collections rep I was told that it would not be deleted, that the best they could do is report the debt as been paid in full. Something about that just did sit well on my mind. So without paying I called my credit advisor to tell them this scenario. They said with us not even knowing about this debt, not receiving any information from collections, and the denial of deleting this from my credit report, to file a complaint and dispute this case. Which is where Im at now. I am willing to pay any and all debts I owe, but under these circumstances I dont believe this particular debt should be on my report. 

Account information XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Social Finance, Inc.
State: WI

Complaint narrative:
This company outright lies. A previous complaint was filed. The complaint number is XXXX. In their response they stated they could not send paper statements because we moved and they could not contact us. That is a lie. We have not moved since the inception of this loan. They promised to send us a statement, we won't hold our breath. I will be filing another and another and another complaint when we don't receive the statement. This company illegally gave us this loan. They don't have a license to practice in the State of Wisconsin. I so feel we legally don't have to repay this loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XXXX I received a call at work from an unknown local number an a person stated I owed a debt of over {$1400.00} for medical services received in XXXX, AL on XX/XX/2018. I stated I did not owe any debt ( I had my files in from of me and all of my records clearly showed that I paid my deductibles and my insurance carrier XXXX paid the balances ). I continued to get multiple calls a day at work form various XXXX  area numbers demanding that I pay a debt that I did not owe and for which I had never received a bill. I asked that they quit calling me and send me a detailed account of the alleged charges. 

I continue to receive harassing phone calls. I am seeking legal relief and am contacting lawyers to see which one best suits my needs. 

I did call the medical service provider XXXX XXXX XXXX XXXX XXXX, AL ( XXXX actually XXXX XXXX XXXX of XXXX Alabama, then XXXX and XXXX ) and was directed to their new billing entity XXXX XXXX XXXX ( XXXX ). After a brief discussion with their representative, I was connected to a XXXX ( XXXX ) who verified that there was a XXXX   balance on my account. She said that there had been several problem and complaints about Phoenix Financial Services that they were having to deal with. While we were on the phone, she sent them a message ( Req. # XXXX ) logging a request to close my account as it had a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Receivables of NC Inc.
State: CA

Complaint narrative:
XXXX/XXXX has been trying to collect on an account on my business that is for an account that was at a previous address and the account was closed and the phone lines moved to another provider, yet XXXX/XXXX continued to bill me at the old address. I have talked to them multiple times and written letters stating this and they have agreed that it is incorrect. They have since turned the account over to collections with access Receivevables who continues to call and pester to collect this, even though I have also written to them asking for verification, which they have not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I previously filed an identity theft compliant with the FTC. In that report the collection company LVNV was  listed as a company that was reporting on my credit files fraudulently. 
I subsequently sent to the CRA 's the FTC filing including this company. I requested, as I'm afforded by law ; that because of this filing that several items be removed/blocked from my credit file. Somehow LVNV is still resporting and has allegedly been 'verified '. This can not be true or at all possible. LVNV have since sent me statements and bills from the original creditor, which in no way is valid proof that the debt belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Over 45 days ago, I mailed in requests to XXXX, Experian, and XXXX XXXX asking them to correct errors on my credit report. XXXX  and XXXX XXXX responded within 30 days, like they were supposed to ; but I still haven't gotten anything in the mail from Experian. I even mailed a follow-up letter to them, which has also gone ignored.

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 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I started a process of debt consolidation with XXXX XXXX or XXXX 2019. They told me they would run a soft pull on my account since it was not a loan per se, they were just negotiating with my creditors to lower my principal. When I checked my credit report on Transunion on XXXX/XXXX/19 I discovered they had done a hard pull. Transunion said XXXX would have to dispute it to have the hard pull removed so contact them. XXXX said Transunion would have to send them a dispute in order for them to start the process of asking for the hard pull removal. Transunion said no, XXXX must dispute the hard pull and if they refuse my only recourse was to contact the proper authorities ( specifically the police ). XXXX said although it was supposed to be a soft pull, and the hard pull was indeed a mistake, they could not help me until Transunion disputed it with 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 2019-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: QUALITY ACCEPTANCE LLC
State: NV

Complaint narrative:
On Friday XX/XX/2019 XXXX spoke to XXXX about doing a deferment on the XXXX XXXX XXXX financed with Quality Acceptance. He agreed to provide the deferment with XXXX on the phone. On Monday XX/XX/XXXX we still had not received the deferment by email so XXXX called XXXX. Tuesday at XXXXXXXX XXXX we finally got the deferment paperwork from Quality acceptance in emails between XXXX and I but at around 5-6 am on Wednesday, XX/XX/2019 they decided to repossess out vehicle anyway after agreeing to the deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America is claiming that I owe them {$740.00} due to a " duplicate deposit. '' On XX/XX/2019 I made a mobile deposit that cleared my account. Over a week ago I was in the process of making another deposit and noticed my account was overdrawn. I tried contacting Bank of America by calling the 800 number and was told I needed to visit the branch because they were not able to provide me with an explanation other than a duplicate deposit was made. I was finally able to obtain a local number and called them and they insisted I needed to come in. I took time off of work and met with a representative which is stating that the same check was deposited on XX/XX/XXXX and that XXXX XXXX Bank ( issuer ) have retrieved this amount from BOA because this check had already been paid. My employer contacted XXXX XXXX and was told that this check was only claimed on XX/XX/XXXX and they do not have any record of the check being cashed twice. I relayed this information to BOA and they continue to fail to provide me proof that this check was credited twice to my account and thus justify this debit or chargeback on the XXXX. I did not receive this money twice, it does not appear as a credit or deposit twice and actually was just notified a few days ago of the issue in writing by BOA after I expressed the concern ( by the way the letter from BOA is not even dated ) Now, I have automatic debits going into my account for which I am incurring overdrafts charges for because I refuse to deposit my payroll in this account. BOA continue to take my money without an explanation and/or correction of this error. My account was not credited twice for this amount nor does XXXX XXXX show that this check was " cashed '' twice. I have made multiple attempts and I have taken time off of work to address this with BOA to no avail. I respectfully request your assistance with this issue.

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 2019-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I opened a credit card with XXXX XXXX in XXXX and used it intermittently over the years. I hadn't used my XXXX XXXX card for several years and I shopped their bedding and mattress sale on on XX/XX/XXXX, at which time I made a bedding and mattress purchase that totaled {XXXX}. During my interaction with the sales representative, ( XXXX XXXX ), I informed him that I had a card with XXXX XXXX but, had not used it for several years. He accessed my account information online and stated it was open with a limit amount that would allow me to purchase the bedding and mattress set. The representative ( XXXX XXXX ) finalized the sale and set it up for delivery on XX/XX/XXXX. XXXX XXXX delivered and set up the bedding on XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from my Citi credit monitoring service that stated my FICO credit score had dropped by 35 points. I checked to find what had affected my FICO credit score and found that XXXX XXXX had reported that I overcharged/charged over my credit card limits. I contacted XXXX XXXX    Consumer Credit Department XX/XX/XXXX, XXXX XXXX  at XXXX. Spoke with CSR XXXX. Explained my reason for calling and requested an explanation for their credit report that dropped my FICO credit score by 35 points. She stated there was no supervisor for her to consult and she would have one contact me. I called back XX/XX/XXXX, XXXX XXXX, spoke to XXXX/Supervisor, credit specialist XXXX. He stated there was no penalty for going over card limits with XXXX XXXXXXXX. I informed him that their sales rep ( XXXX XXXX ) had closed the sale and made no mention of going over the card limits. He stated their sales reps can't see credit card limits on their systems. He said they didn't send the report that lowered my FICO credit score and there wasn't anything he or XXXX XXXX could do. There haven't been no other businesses that reported on my FICO credit score, other than XXXX XXXX. I seek your assistance in this matter.

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 2019-04-17 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section ( 5 ) ( A ) of the FCRA- they are required to promptly delete all the information which can not b verified that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: VA

Complaint narrative:
on XX/XX/19 i had a XXXX credit score on my equifax credit report but all the sudden i go to pull my reports on XX/XX/19 on equifax i see some old fraudulent pops up on my report and drop my hard earn score down to a XXXX i been on the phone with equifax everyday just begging them and asking where are they is getting all this wrong info on thses accounts that are not mines its aginst the law to report old and fruad accounts on people accounts they even have my name wrong they have XXXX XXXX 1 thats not mines i sent in my copy of driver lic and ssn card they still give me the run around here are the accounts # # # 1 XXXX XXXX  COLSED it was off my account now back all the sudden # # 2 XXXX XXXX never ever heard of them but its on my credit report now CLOSED account # # # # 3 XXXX XXXX XXXX never heard of this account now it on my credit report i belive equifax is a total waist to try to dispute with them they give u the run around saying send all this personal info in and then once i do that they act like they never recive the docments its crazy i have a 1 year long fraud elart on my report i even have 50 hard inquires on my report and cfpb got that remove for me and thank u all for the hard work equifax is a bad company ripping people credit score down to where i will have poor credit the rest of my life i had a ggod score of XXXX but now its a XXXX because fruad accounts here is another one pop back up on my report # # # XXXX XXXX plz remove false fraud account equifax u all no better

Company response to consumer: Closed with explanation