vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MN

Complaint narrative:
X/XX/2017 at around XXXX XXXX I made a deposit for {$320.00} into an ATM in the lobby of the XXXX XXXX US Bank. The ATM ate my card, check and did n't issue a receipt. I called immediately and they told me I would have to file a reg E dispute. I did this, and they denied my claim saying they needed a receipt. Which is inherently ridiculous when an ATM malfunctions. I want the bank to pay for a re-issue of the check or actually search for it.

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 2017-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Recovery Services Inc.
State: TN

Complaint narrative:
I am showing this account was opened on XX/XX/XXXX. The account has been reported on my credit as of XX/XX/XXXX. This company has not made any attempts to reach out to me about this debt. I was not able to dispute this debt or receive full verification of the debt. Due to company not reaching out to me first.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
This company northwood asset management has repeatedly contacted me and other 3rd party persons not associated with the person they attempting to collect a debt from. When asked to stop and told they can not call us they have threatened and used obscene language and threatened us. When told this is not the number to contact said debtor they insist we must give them information about us and the person they are attempting to contact.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity bank called my house sunday XX/XX/XXXX at XXXX,XXXX,XXXX after being told several times not to call. They are calling over a {$25.00} late fee that was deducted causing my bill to be late they call more then 5 or 6 times daily they are harassing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On around XX/XX/XXXX I was working through The Ohio State extension for XXXX XXXX XXXX, XXXX XXXX XXXX was ( is ) my mortgage provider. I sent chase documents after documents for a year..Finally I got awhole of XXXX XXXX XXXX out of XXXX Oh.Around XX/XX/XXXX, I was able to work thru them to help me with my mortgage. they brought my mortgage current, and payed the taxes XX/XX/XXXX.I payed off Chase Bank in XX/XX/XXXX. never heard anything more until around XX/XX/XXXX. Chase said I owed them {$1.00} cents when I checked one person said it was XXXX dollars. I had a lawer check into it. I sent him the paper work.while I was online again, all of my accounts but one would show up, which happen to be my mortgage.I could n't afford the lawyer so when I started checking for myself, I found out that around the same time XXXX XXXX XXXX payed my Taxes onXX/XX/XXXX chase payed my taxes onXX/XX/XXXX .was never notified by chase they payed. them. XX/XX/XXXX I contacted chase to se why my deed was n't sent to me. they put me on hold about 20 minutes and finally told me I owed them {$2700.00} I received statements that shows a balance of XXXX since I contacted them about the taxes after I talked to XXXX XXXX XXXX. now I get a statement showing that I owe them this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: HI

Complaint narrative:
To whom it may concern : I notified TransUnion XXXX of fraudulent credit inquiries that were added to my credit report on XX/XX/XXXX via certified XXXX mail. TransUnion did not send any response to my letter. I then sent a follow up letter on XX/XX/XXXX via certified XXXX mail letting them know that I did not authorize anyone employed by these companies to make any inquiry or view my credit report. TransUnion responded with a generic response and failed to address or provide any explanation or verification. 

On XX/XX/XXXX I was notified that their had been a glitch or breach of my personal credit file by TransUnion. The glitch occurred between XX/XX/XXXX andXX/XX/XXXX that caused all inquiries on my credit report to be deleted. TransUnion later added them all back onto my credit file without giving the legally required written notice 5 days prior to them being added to my credit report. 

On XX/XX/XXXX I contacted TransUnion via telephone at XXXX. I spoke with a representative XXXX XXXX @ XXXX CT. I reached out in good faith to ask that TransUnion delete the inquiries that were illegally re-added. The representative refused to address my concerns and stated that no such glitch occurred. 

These inquiries have brought hardship and difficulty to obtain credit. My rights have been violated by TransUnion and I am asking that the Consumer Financial Protection Bureau help stop my continued victimization. As documented, recorded, and explained, multiple violations have occurred by TransUnion. 

Thank you!

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 2017-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Purchase home inXX/XX/XXXX. First lien for XXXX. Undisclosed party practiced fraud by foreclosing inXX/XX/XXXX using second lien for XXXX foreclosed on same day the second funded. I discovered this XXXX months ago based on my investigation. third party XXXX XXXX never recorded or notified me. Undisclosed third party threw me out of my home on XX/XX/XXXX. currently in appeals process, disregarded my Quiet title actin Lis pendins, I have solid proof I was not in arrears. I discovered my house was not in the XXXX featured in unenforceable assignment. I discovered they used second line placed it into XXXX holdings in XXXX in XX/XX/XXXX. I know that they lost the ability to foreclose based on time statute. I made all my payments to XXXX XXXX XXXX and can prove that once they sold paper to Nationstar, in XX/XX/XXXX I was doomed regardless of my proven performance making my payments. they deliberately failed to apply my payments. I can prove the payments were sent to investors to deliberately put me into a artificial arrears. they stole my personal property, office and car. I have become sad despondent. lost hope in the system I once coveted, trusted in Please give me hope that this means something. Thank you very much. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized Inquiries made on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
My husband and I made our first payment for this vehicle XX/XX/XXXX. On XX/XX/XXXX I made a phone call to Santander Consumer USA, a customer service rep stated that we changed our billing date on XX/XX/XXXX. I would like live physical proof of this and If their was any changes made the fact that my maturity date would be pushed back was never disclosed to my husband and I. Our maturity Date went from XX/XX/XXXX toXX/XX/XXXX. Their will still be a balanced left over after our maturity date. Which is n't right my husband and I pay our car note on time and we also put a little extra towards our bill. I made a payment of {$280.00} on XX/XX/XXXX and my receipt through XXXX XXXX Online system states that the payment will and has posted onXX/XX/XXXX the company has on file that the payment was made on XX/XX/XXXX meaning that most of the payment went towards the interest and not toward the principal balance. I also paid my bill the same way this month the same way. I made the payment onXX/XX/XXXX on the XXXX XXXX XXXX as well. I snap shot my receipts for proof and have them backed on google I also trace my payments through my bank as well as XXXX XXXX. We have a balance left over of XXXX which really we should have a balance of XXXX left over maybe a little less because our our original monthly payments were XXXX for next month our car note due on XX/XX/XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I checked XXXX after checking my credit report to buy a home, when it came back I had XXXX > past due XXXX. I havent lived at the address they have on file for over two years, nor have I received any phone calls from them. I was never offered any type of assistance or forbearance. I only realized they were out there after I applied for a home loan, I was only enrolled in the schooling for 3 months before having to leave due to XXXX and my husband leaving for the XXXX. Also had problems with mail forwarding even after moving out and now the loans have defaulted leaving a huge mark on my credit to where I can now not purchase a home for my family. The loans are also over XXXX and I never received any where near that amount of schooling.

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 2017-08-28 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I checked XXXX after checking my credit report to buy a home, when it came back I had XXXX > past due XXXX. I havent lived at the address they have on file for over two years, nor have I received any phone calls from them. I was never offered any type of assistance or forbearance. I only realized they were out there after I applied for a home loan, I was only enrolled in the schooling for 3 months before having to leave due to XXXX and my husband leaving for the XXXX. Also had problems with mail forwarding even after moving out and now the loans have defaulted leaving a huge mark on my credit to where I can now not purchase a home for my family. The loans are also over XXXX and I never received any where near that amount of schooling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I checked XXXX after checking my credit report to buy a home, when it came back I had XXXX > past due XXXX. I havent lived at the address they have on file for over two years, nor have I received any phone calls from them. I was never offered any type of assistance or forbearance. I only realized they were out there after I applied for a home loan, I was only enrolled in the schooling for 3 months before having to leave due to XXXX and my husband leaving for the XXXX. Also had problems with mail forwarding even after moving out and now the loans have defaulted leaving a huge mark on my credit to where I can now not purchase a home for my family. The loans are also over XXXX and I never received any where near that amount of schooling.

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 2017-08-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
I received an inaccurate bill from Fay Servicing, stating that I owe {$1000.00} for XX/XX/XXXX for {$370.00}, XX/XX/XXXX for {$370.00}, and then a late fee amount for {$330.00} which they had in a suspense account of some sort. They tell me this amount was from the previous servicer for 30 late payments. I never had 30 late payments with the previous servicer. Also on the back of this same bill it saysXX/XX/XXXX- LATE CHARGE WAIVED IN THE AMOUNT OF {$330.00}, but then they added it back onto the front of the bill, and are stating I now owe {$1000.00}. 

I want this erroneous amount of {$330.00} credited to my account, as I do not owe this amount. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
OnXX/XX/XXXX. I sent in a dispute in regards to a Credit Card : XXXX XXXX reporting in the amount of {$5000.00} ( Charge off ). I also reported the inquiries and several unknown addresses reported onto my credit report along with different variations of my name. The credit bureaus : XXXX, XXXX, and Tran union. responded with this information that is reported is accurate. I provided pertinent documentation proving my innocence on this account along with second Account they are reporting on my report which is fraudulent. XXXX XXXX. They refused to reinvestigate the matter. I again in XX/XX/XXXX presented pertinent evidence that non of the inquiries and/or XXXX fraudulent account belonged to me : XXXX XXXX and XXXX XXXX. In XX/XX/XXXX, they ( credit bureaus ) stated they will not remove any of the information as it is verified. I provided again in XX/XX/XXXX a police report stating the facts. The XXXX accounts along with inquiries and variations of name, and fraudulent addresses. The credit reporting agencies yet again stated they will not remove this information. This is causing a major hardship for me and my family. I have contacted on number of occasions via phone and mail to all parties involved and wish for this matter to be resolved as soon as possible.

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 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
OnXX/XX/XXXX. I sent in a dispute in regards to a Credit Card : XXXX XXXX reporting in the amount of {$5000.00} ( Charge off ). I also reported the inquiries and several unknown addresses reported onto my credit report along with different variations of my name. The credit bureaus : XXXX, Experian, and XXXX XXXX. responded with this information that is reported is accurate. I provided pertinent documentation proving my innocence on this account along with second Account they are reporting on my report which is fraudulent. XXXX XXXX. They refused to reinvestigate the matter. I again inXX/XX/XXXX presented pertinent evidence that non of the inquiries and/or two fraudulent account belonged to me : XXXX XXXX and XXXX XXXX. In XX/XX/XXXX, they ( credit bureaus ) stated they will not remove any of the information as it is verified. I provided again in XX/XX/XXXX a police report stating the facts. The two accounts along with inquiries and variations of name, and fraudulent addresses. The credit reporting agencies yet again stated they will not remove this information. This is causing a major hardship for me and my family. I have contacted on number of occasions via phone and mail to all parties involved and wish for this matter to be resolved as soon as possible.

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 2017-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC
State: FL

Complaint narrative:
I am a XXXX % XXXX veteran. In XX/XX/XXXX I was injured during a tactical confrontation in XXXX XXXX. In XX/XX/XXXX, I was referred from the XXXX XXXX in XXXX XXXX XXXX Florida, by my primary care physician to see the doctor outside of the XXXX XXXX. The specialist was for XXXX  XXXX XXXX and XXXX XXXX. The XXXX XXXX contacted the office, they had discussed payment with the outside care provider and they agreed to take me on as a patient. Shortly after my visit to that office, the clerk who worked at their reception desk attempted to collect the fees for their tests directly from me. I had already provided all the pertinent details about payment. It was to be handled directly with the XXXX XXXX, not by myself. As XXXX % XXXX with the VA for combat injuries sustained while XXXX in defense of out great XXXX. The doctors office continued to harass my wife and myself for payment. I had gone to the XXXX XXXX  with a copy of their bill and they had agreed to get in touch with the doctors office and handle they payment they so feverishly attempted to collect from me even after all the proper insured and va documents were provided. I had be reassured this debt was not mine to pay by the VA and their patient advocate. Years later and the debt has now been put into collections, it has been damaging my ability to buy a home for my wife and son, my family. It has disabled me from buying a family car, home, rentals and the like. This has been hanging above my head for a couple years now. I attempted directly through equifax credit agency to dispute this debt owed by the VA hospital to no avail. The debt is not mine to pay yet I 've been paying for it for years because my family can not use our credit to acquire a home or a car. The dollar amount is not mine to pay, {$260.00}. I have been retired from military service and receive a fixed income as a XXXX % XXXX veteran. I can not afford to spend the money that is n't even mine to pay. This has been a losing battle no matter what I have tried to get this debt extinguished. Please help me get this shut down. I really need to do better for my family and having this derrogitory mark on my record is the only thing currently holding me back from being the provider and husband I need to be.

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 2017-08-28 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: MI

Complaint narrative:
I have disputed these couple cards a few times and for the life of me I do not understand while they 're still showing up on my credit report was a victim of identity theft it 's been reported to the police department it 's been reported to all of the bank and except for these three accounts I have good credit even though I 've asked you before you never tell me what exactly it is you need from me to get these accounts removed it 's called identity theft for a reason of course a lot of the information is going to match mine if it did n't it would n't be called identity theft to me this seems very simple but for some reason experience is having a difficult time with these three accounts and getting them removed from my credit report what is it that you need for me to prove that I did not open these three account did not use these three accounts had nothing to do with these three account? If you could answer that question maybe we could actually resolve this because you keep sending the dispute  to the bank and they say oh yeah it 's the same name and date of birth and so on of course it is this is why it 's called identity theft of course the information is going to be very similar this is how it ended up on my credit report this is how they were able to open the accounts to begin with. 

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX and # XXXX These three accounts do not belong to me how do I prove this to you? Please answer my question. 

There are also 2 inquiries to look at my credit report they do not belong to me 1 XXXX cards just happened a few days ago again not me there 's another one for XXXX XXXX XXXX XXXX clearly I 'm still having issues do you have a fraud alert on my 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 non-monetary relief