vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-13 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: AL

Complaint narrative:
XXXX XXXX XXXX This account was a checking account that was paid in full and was told by the creditor it would be removed I called the creditor and they said they haven't reported the account in years.The credit bureau doesn't acknowledge it and lies to me every time I file an investigation into it.They dont even do it.Account is going on 8 years old now.

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 2018-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I tried contacting a company that appeared on my credit report and I was told they do not have any information or account to be removed. The company is XXXX XXXX XXXX XXXX. I am not aware of this company and I don't own any credit Cards.

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 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Nationstar also known recently as MR Cooper is servicing my conventional home loan. on the XX/XX/XXXX it was brought to my attention that late payments were being reported even though money was being withdrawn from my account. Later that day, my son and i called to learn more but we were told to put the request in writing with all 3 credit agencies a long with supporting documentation. We then did exactly that. I recently received responses from all 3 credit agencies stating that the information reported was verified as reported, therefore no change was made. Id like to have my credit report updated to reflect the fact that i was not late. i made payments timely and it was not brought to my attention in any which way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: MD

Complaint narrative:
Last year on XX/XX/2017 I got a XXXX XXXX XXXX at this restaurant called XXXX XXXX, located in XXXX, MD, XXXX. Before ordering I made aware to the manager and the server about my XXXX XXXX XXXX. I ordered a steak dish to prevent any cross contamination. Unfortunately, I got a XXXX XXXX XXXX on which I ended up in the hospital, missing days at work because of this issue. Before taking me to the hospital in the ambulance, my family talked to the manager about, their terrible mistake how dangerous that could ended up. The manager explained to us that their insurance was going to take care of all the medical expenses. Its been more than a year and the collection agency keeps calling me every single day to collect this debt that has also affected my credit score and other things because this debt cant be paid. I have taken all the medical bills since day 1 to the restaurant and brought to the manager 's attention but nothing has been done. I want to know how can you help me solve this. Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Company calls multiple times within an hour. Today XX/XX/XXXX they've called at XXXX, XXXX, XXXX. This behavior repeats daily. They also change the area code/phone number they call from. Sometimes it's Kansas, sometimes it's California ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: WI

Complaint narrative:
On XX/XX/XXXX I submitted separate, multiple requests via letter to TransUnion Credit Bureau as well as each Creditor, requesting them to investigate several unauthorized hard credit inquiries that they have listed on my credit profile. 

I requested that they either provide me with physical documentation validating these inquiries, or, that they remove them immediately as they are damaging to my credit profile. 

The inquiries that I requested be investigated were as follows : -Financial inst. XXXX XXXX. ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) I can not stress enough, not one of these hard credit inquiries were authorized by me. At no time did I give permission to any of the above institutions permission to access my credit file. 

As noted above, on XX/XX/XXXX I requested TransUnion to investigate. On XX/XX/XXXX, I received an automated response via letter not informing me of any investigation process, but to inform me of how inquiries may have been added to my credit file. I did not ask them how inquiries may end up on my file, I asked them to investigate my unauthorized hard inquiries. 

TransUnion did not investigate anything, they failed to move forward any due process in this matter. 

One Creditor also wrote me back in the mean time stating that they ( they creditor XXXX XXXX ) won't even investigate the inquiry and asked me to contact the Bureaus. So if XXXX XXXX wont investigate, obviously they can not verify the inquiry. With that being said, TransUnion should remove it. 

TransUnion is not doing what they are supposed to do. I am attaching the automated response they sent to me via US Mail, I am also attaching a letter that XXXX XXXX wrote to me stating they will not investigate anything.

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 2018-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We filed Chapter XXXX on XX/XX/XXXX. XXXX was included in ChXXXX and was paid in full through BK. They are reporting a balance due after the filing date and the discharge date of XX/XX/XXXX and 'late ' payments in XX/XX/XXXX. The 'balance due ' is the inflated interest they were trying to charge us prior to filing ChXXXX. 
XXXX is undermining our credit and enabling themselves report further into the future. 
Attached are screen shots from Experian.com.

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 2018-11-13 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: NV

Complaint narrative:
I recently started a Credit Monitoring Service because my wife noticed a large amount of mail coming to the house which we usually just dismissed as wrong address or wrong person. We travel extensively overseas and never use credit much at all to keep from accumulating debt. We have been overwhelmed as we look at her credit file and my own to find erroneous accounts that have accumulated over the years un-noticed by us. We are going to have to check all our personal accounts both here an abroad as well as our personal information immediately for fraudulent activity. We are filing this affidavit as a first step to protecting our personal information from this day further. We hope that this will assure us of protecting our good names in the future.

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 2018-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
XXXX  has a Collection Account from a Company called Portfolio Recovery and I have disputed this several time asking XXXX to verify the account is mine and XXXX keeps saying Debth verifid and it is not verified. I have called the Company and they keep saying there was a card in my name from XXXX XXXX and I do not ever go to that store, I do not like that store and I do not live near a store. They have sent me a bill and never do they provide anything else in my name. I have signed affidavits for Portfolio Recovery and they keep it on my only XXXX  Report and they report it as an open account but in collections and say XXXX is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: TX

Complaint narrative:
Ive Sent several letters via fax and mail and also spoken with reps regarding a debit collector that they company keeps reporting onto my credit report ive sent attached documentation and also proof that the account ( XXXX XXXX XXXX ) is not bonded in the state of Texas and reporting the un bonded account is against the texas law The company removed 2 of the 3 account when ask why was the 3rd account still listed the rep couldn't give me a reason I sent another letter via fax and i will attach photo proof with complaint I have not received a response and the account is still listed

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 2018-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I was told that a notice of the rate increase was sent to me on XX/XX/XXXX. I have informed delivery USPS and I have no record that this piece of mail was delivered to me. I went back and looked t all me email to see if it was delivered. Also I signed up for paperless bills and notifications so I really don't look at most of mail because I expect delivery via email which I had signed up for. American Express increased my interest rate by almost 6 percentage points. 


I contacted American Express on XX/XX/XXXX to question this large interest increase. I was told by them it was a business decision to raise rate to bring it current to what someone who was applying for a credit card today. I have been arbitrarily penalized because of a business decision they made. This has increase my payments by almost {$200.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
We sent a payment to Freedom Mortgage by electronic transfer from XXXX XXXX on XX/XX/2018. 

It was never credited to our account with Freedom mortgage although the loan number was correct. 

I wrote to Freedom Mortgage by email on XX/XX/XXXX. They sent me a letter on XX/XX/XXXX, received XX/XX/XXXX stating that I should NOT have written to them by email ( although the web site told me to do so ) and that I should have written to them at a new address in XXXX. 

They said they never received payment and are demanding a front and back check copy ( which does not exist ) and a copy of " ... .your full running bank statement showing the running balances from the date of payment until the current date showing your payment in question has cleared your account and is not showing as Pending is needed fro further research .... '' I do not understand how they can credit other payments appropriately using the SAME method before and after the payment in question. 

I want they to find the payment and credit to 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 explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX XXXX offers a credit card to help pay for items in the store with 0 % interest for the first 12 months. The credit line is offered through XXXX. After 12 months, instead of applying interest from Day 366 on, they apply the interest accrued from Day 1 to  your next bill. However unclear this was to my wife and I when we got the card, the real issue is in the handling credit institution 's communication of our statements and bills. 

The only place that you can find the expiration date for the promotion is in the billing statements, which is not in the same location on the site as the billing / payments portion of the site. Meaning, if you opt for paperless billing ( which we have ) and you don't know where to find this information, you will not receive a notification of when this amount will apply to your bill prior to the bill that shows up with a hefty sum of interest that's been accruing in the background for the previous 12 months. For XXXX XXXX to offer this 0 % interest for 12 months deal, but not clearly define the parameters, is shady. One might expect me to keep my eye on the calendar, or mark the final due date. But I work in communications, and I know that it's the communicating party 's responsibility to offer this information explicitly if they are the ones offering the deal. 

My situation : I aimed to pay this bill off over the course of a 12 month period, not knowing exactly when that 12 months would expire, since I thought I would be notified at some point that the promotion was ending soon. On my latest bill, I should have owed {$220.00}, but the bill instead was for {$440.00} which includes the interest accrued from the last year. I called the company to ask them to remove the interest from the bill, and explained that I wasn't notified of the promotion ending soon, but they didn't care, and weren't helpful. The promotion ended on XX/XX/2018 and I paid the {$220.00} today, XX/XX/2018. With little more than a month passed, surely I'm liable to receive some grace? 

One should expect, in this 2018 world of AI and automation technology, that if a company is offering paperless billing at some point in the payment process or notification process associated with that billing the customer should be offered some notification of when their promotion is ending. Then again, I suppose I should expect no less from a company that's only interested in taking my money, and any interest they can apply to it. That doesn't make it right, and it doesn't mean that companies like this shouldn't be held accountable for their disinterest in providing transparency for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: MO

Complaint narrative:
On XX/XX/2018 I reached out to XXXX XXXX XXXX regarding making a settlement for an account that was displayed on my credit report. They informed me to contact XXXX XXXX and advised me they had sold the account. I reached out to XXXX XXXX who advised me that they will accept {$450.00} as full payment and the negative remark would be removed from my credit report once they received payment and notified XXXX XXXX. I have disputed the balance listed on my credit report multiple times and its still showing I have a balance due for XXXX XXXX   although I have a letter from both XXXX XXXX and XXXX XXXX stating the account is paid in full less than amount owed. When I agreed to settle I was informed the item would be removed not listed as settled for less than amount and its still showing I owe XXXX XXXX a balance which is incorrect as well.

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 2018-11-13 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: GA

Complaint narrative:
I have requested several times from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Act. # XXXX. No phone number listed on report, to verify the said debt listed on my credit file. I have also sent a copy of my state issued I.D and a copy of my Social Security Card to assure it is me who is requesting the information. In accordance to the FCRA 605B. TransUnion still will not block, verify, validate or remove this negative information. This has gone on for several months and they continue to use a system none as XXXX  to parrot information from the original creditor. I have not received a original instrument of indebtness other than a bunch of invoices with no signature of mine. Yet TransUnion still is asking for more information and refuses to delete this information. I have been a victim of Identity Theft before and had to go through the same thing back in XX/XX/2014 and this is around the same time this debt was created.

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 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My mom 's mortgage is now servicing by Select Portfolio Servicing Inc  SPS. 
After three months with them she realize that they were applying her monthly payment to interest only rather than to principle, escrow and interest. When she call to inquire of the situation the told her they didn't see what her problem was. She had to call on several occasion, speak to multiple people before it was resolve. After speaking with few friends about her experience it turns out two of them had face the same situation where one had to have it resolve in court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am currently Disputing on charge on my credit card for the amount of {$6300.00} dollars. The charge was made on XX/XX/2018 by a company named XXXX. On XX/XX/2018 XXXX   was shut down by the FTC for scamming people out of millions. So on XX/XX/18 everything that my on line business education was to provide me had been seized. The XXXX was only part of what I invested.

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 2018-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
A lady calling herself XXXX XXXX impersonated to be goverment official repeatedly calls me and my family Asking for my social security and bank info under the false pretense that I owe debt. She calls from the following number : XXXX ( EXT : XXXX ). I explicitly asked her to put me on the do not call list and she blatantly refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
Regarding my account with American Credit Acceptance, I have fulfilled my obligation of the settlement agreement and paid off the loan in XX/XX/2017. I still have not received a title and called the bank on XX/XX/XXXX and XX/XX/XXXX to inquire. I was advised that a request was made to look into the loan as the balance remains at {$23000.00} in their system. Furthermore, the account is showing that I am in default with a past due balance of {$2000.00} plus. This is not acceptable as this all impacts my credit score,  debt to income ratio, and ability to sell my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: KS

Complaint narrative:
This account is actually just pass due less than 30 days. They start calling me the day after it is due, XXXX of each month, and do not stop. My husband had 2 XXXX XXXX  towards the beginning of this year, and was out of work for a couple of months. I have told the company this, and I have tried to keep up with the payments as best I can.

Company response to consumer: Closed with explanation