vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is to inform you that XXXX, Equifax and XXXX have all failed to respond to my inquiry dispute letter that I sent certified mail on two occasions. I also disputed online. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, all companies received the certified letters which I have proof of delivery. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not by the consumer myself.
XXXX XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/X/16 XXXX XXXX X/X/16 XXXX XXXX XX/XX/16 XXXX XXXX XX/X/16 * XXXX XXXX  X/XX/16 XXXX X/XX/16 * XXXX XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX XXXX X/X/16      XXXX X/XX/16 * XXXX X/X/16 XXXX XXXX X/XX/16  * XXXX * XXXX XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is to inform you that Experian, XXXX and XXXX have all failed to respond to my inquiry dispute letter that I sent certified mail on two occasions. I also disputed online. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, all companies received the certified letters which I have proof of delivery. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not by the consumer myself.
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX * XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX * XXXX * XXXX XXXX Thank you, 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 2017-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NE

Complaint narrative:
My monthly payment has increased from {$1200.00} to {$1600.00} due to an increase in my real estate taxes. The increase to {$1600.00} is spreading the escrow shortage of {$3800.00} over 12 months. I have requested to extended the spread from 12 months to 24 months as the {$400.00} per month increase will create a finciancial burden on my household. The local property taxes in my community have increased 200 % within the last 12 months. The lender did provide me a 24 month repayment when the first property tax increase incurred of 100 %. Due to the fact that the lender did allow the repayment spread based on the last escrow analysis, they are now refusing to provide a 24 month repayment with an additional 100 % increase. My annual taxes went from {$900.00} per year to {$3800.00} per year within a 12 month time frame. I would like to get the new escrow analysis shortage spread out over 12 months to avoid possible missed payments. The lender stated they would not allow any changes in the increase unless I did become late on my mortgage payments. I am attempting to avoid possible late payments with this request.

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 2017-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial Solutions has posted three collection items with the three leading credit agencies XXXX, XXXX, and XXXX. I have tried to get these items removed from my account several times because they are inaccurate. I have never had any business dealings with this organization. There has not been any signed contracts, verbal contracts, or any services provided to me through this organization. They have the Provider of service listed as XXXX XXXX. I have spoken with this XXXX XXXX and according to them, I had XXXX during the time of service. Under the HIPPA law I am allowed to protect my privacy and medical records. I have filed a dispute with all three bureaus requesting validation of this debt. Bull CIty Financial should not have any access to my medical records because I never signed authorization for them to obtain this confidential information. Therefore, I am requesting this organization to remove any and all listing from my credit report because I have no contract with them and the account has been settled with the provider of service XXXX XXXX. See items below : # 1 BULLCITY FINANCIAL SOL {$180.00} XXXX XXXX, XXXX XXXX, 2017 # 2 BULLCITY FINANCIAL SOL {$260.00} XXXX XXXX XXXX XXXX, 2017 # 3 BULLCITY FINANCIAL SOL {$170.00} XXXX XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: Coastal Credit, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I received a letter from Coastal Credit LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX Tel : XXXX. I and {$1900.00} left on my loan with them after my vehicle was totaled in a car accident on XX/XX/XXXX from a lady running through a red light and XXXX XXXX XXXX. Coastal Credit stated in letter if I paid 40 % of the {$1900.00} which is {$1100.00} as in letter. <P/>When my insurance ( XXXX XXXX ) learned that I was not salvaging my car they sent over {$1000.00} to Coastal Credit LLC. I then phoned Coastal Credit on XX/XX/XXXX and spoke to a Supervisor XXXX XXXX ( I think that is how you say or spell his name ). I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. <P/>Anyway when I called Coastal Credit LLC on XX/XX/XXXX and said I would like to pay remaining on settlement offered which expired on XX/XX/XXXX.  Coastal Credit supervisor XXXX said I had to pay 40 % on whatever was left on XXXX XXXX and something instead of what was offered in letter. Letter said one thing and Coastal Credit did another thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was denied from a lender due to " too many inquiries '' from Transunion. I was alerted by that, therefore i proceeded to check my credit reports from all the bureaus for accuracy purposes. I then noticed that there are several inquiries on my report that I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I contacted Transunion and was given no relief and provided no help to my issue. I placed a fraud alert to prevent this issue in the future, and it still continues to happen. Please, see the inquiries that were not authorized by me and when the report was improperly requested and received. I contacted the companies, they were unable to provide me with any information and none of them received any identification and authorization from ME to request my credit reports for any reason.      XXXX -  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX   XXXX -  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 2017-07-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I contacted Credit Systems Inc. They placed a false judgment on my credit report which was removed by the credit bureaus. however I still wanted to discuss it with them because they have me in collections. The debt they had was originally {$230.00}. They then sued me in court and raised my debt to {$1000.00}. They are continuing to raise the amount I owe. I communicated with them I could not make the court date because I was in a hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my XXXX XXXX son. They said that 's not their problem and they will continue to charge me interest. I am XXXX XXXX military and by law, the company is required to let the court know that when they " sued '' me. They told me they did n't let the court know and again it 's not their problem. As a service member, I have legal protections against situations like this. The company has lawyers and they know the law. Their blatant disregard for it is inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX by Barclaycard- " Balance subject to interest rate '' " Average Daily Balance '' difficult to calculate, appears intentionally misleading, and results in higher interest charges than should be applicable to the current statement. <P/>On my latest statement for billing period XX/XX/17 - XX/XX/17, I see a total of {$2700.00} for the " Balance subject to interest rate ''. The actual statement balance was only {$2000.00} and this is a significant discrepancy that results in higher interest being owed. I have been unable to determine exactly how Barclaycard calculated this amount, and neither could a manager at their customer service center. I feel this is an unethical methodology of calculating interest since I see simple way for oversight. My solution now will likely be to discontinue my business with them and to voice my experience publicly. <P/>The company uses an " Average Daily Balance '' ( ADB ) to calculate interest, supposedly starting from the last contiguous statement period where the balance was not paid in full. This makes it nearly impossible for the consumer to accurately calculate their interest if they have even a modicum of purchases for the month and especially when this carries over for multiple statement periods. It appears designed to be intentionally confusing and extremely difficult for customers to calculate and verify their charges. <P/>I tried to clarify this issue with the bank through a phone call to their costumer service center and while I did get a manager on the line who made a valiant attempt to calculate my ADB for even one statement however it was impossible to actually go through this statement in any kind of reasonable time frame. She did say they could produce a spreadsheet with each calculation for the ADB but she could only discuss this verbally over the phone and could not share the physical data. Since my ADB for this recent statement period spanned 3 billing periods it was impossible for us to accurately review this data over the phone. Therefore there is no way for me to accurately account for the interest charged by Barclaycard and I feel this is unethical and an abuse of customer trust. A quick internet search of Barclaycard customer experiences further increases my suspicion of this bank 's untrustworthy nature. <P/>Let me also state that when XXXX XXXX XXXX switched to Barclaycard, their online banking service portal for the credit card also shifted by removing pertinent information that had been previously readily available and thus making it feel less transparent and accountable to check on my finances.

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 2017-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was contacted and informed by the debt collection company that a lawyer will be contacted and they will sue me for debt owed. Lvnv funding LLC {$640.00} XXXX XXXX 2017. <P/>They were removed from my credit report and placed back on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
As ofXX/XX/XXXX Hyundai Finance is reporting a negative credit reporting to the OPM XXXX-XXXX Credit Report and Monitoring that payment is pass due in the amount of {$890.00}, Ref [ Case number : XXXX ]. I have not received any billing in the U.S. Mail or Email for the pass due amount and not a response to my last submission referring to the Hyundai Car Registration Payment and the Early Termination Fee ; which was not a bill. Hyundai Finance first stated that payment was made in full, no payment was due, not even the early termination fee. [ Case number : XXXX ] reference that XXXX XXXX XXXX did not make the full payment as first reported and now request that I make the payment as disputed, which was confirmed again the payment was made in full. I noted that there was a disputed within the XXXX XXXX XXXX XXXX regarding the Trade-in which I received a letter from XXXX XXXX XXXX asking that I return XXXX XXXX because finance was not approved as of XX/XX/XXXX. I received the certified return receipt notice dated XX/XX/XXXX in my mail box 15 days after the date of the letter along with several Letters regarding denied finance for the XXXX XXXX. When I did bring the XXXX XXXX to turn it in, XXXX had agreed to Finance the Auto.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: NC

Complaint narrative:
I have filed a dispute with all three credit bureaus in regards to Portfolio Recovery Solutions listing a debt on my credit report that has not been validated. I have not received any services from this debtor and there is no signed or verbal contract between them and I. This company has continued to list this debt on my credit report without providing me the requested information to validate this debt or their legal authorization to list a debt on my credit report. I never had an account with this creditor and I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX I walked into the only Best Buy that is located in XXXX, VA. I was interested in buying a music deck for my new car, so a tall XXXX male who 's name I do not remember helped me. After he helped me, he suggested that I put my music deck purchase on their Best Buy card, because they offer 0 % interest on the card. I made sure before I took another step forward that I did my due diligence to acquire all information that pertained to the card. I asked the young man did this card require pulling up my credit score, and he replied " yes. '' I then proceeded to ask him if this would be a " soft '' inquiry/pull, or a " hard '' inquiry/pull to my credit. Without hesitation, the young man told me that it would only be a quick soft pull to my credit. Since I take my credit score very seriously, I asked him one more time to be sure, and he still replied " yes, this is only going to be a soft pull to your credit. '' After checking my credit report on XX/XX/XXXX, I noticed that ( Citibank Na., Best B ) placed a hard inquiry on my credit from XX/XX/XXXX, and the purchases I made in best buy that day showed up on XX/XX/XXXX with my XXXX XXXX XXXX credit card. I feel betrayed, because I was given false/wrongful information with the utmost confidence from an employee at Best Buy, and his confidence in what he was doing allowed me to trust him. If he was not sure of what type of pull the company would have done, then he should have gotten someone who could answer that question instead of telling me incorrect information. <P/>Best Buy Address : XXXX VA ( Store XXXX ) XXXX XXXX XXXX XXXX, VA 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 non-monetary relief
Consumer complaint received 2017-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
For the past 5 years I have had difficulties making payments. Yet the Navient n XXXX XXXX reps I always spoke too basically have been telling me that since I get food stamps n cant afford to pay to just keep putting my loans in deferment and/or foreberance until I get back on my feet. I have BEGGED THEM TO PUT ME ON A PROGRAM BASED OFF THE XXXX/MTH i get bt they have told me SEVERAL times A MINORITY and that forebearance n deferment IS ALL THEY HAVE FOR ME unless I win the LOTTERY and pay them ALL that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: CA

Complaint narrative:
My problem is with Experian regarding my FICO score. I/we always have excellent FICO score. From XX/XX/XXXX to XX/XX/XXXX, our score ranged between XXXX to XXXX. This XX/XX/XXXX we paid off our mortgage loan and my FICO score took a huge dip to XXXX with absolutely no other changes in our financial situation. I called Experian and complained about the much lower score and wanted to know if the score is going to keep on falling. Experian 's response was yes, it was because I paid off the loan. Yes, the new lower score would adversely impact my ability to get a most favorable loan rate. Yes, the situation does not sound reasonable. No, there is nothing that can be done and no she does not know when the trend will be reversed and would I be interested to view their web site for some educational material regarding credit? Totally ridiculous response. <P/>We are in the process of buying a retirement property and I find this situation completely unacceptable .... why is it that we need to be in debt in order to be judged as better credit risk? It is illogical and it makes no sense. <P/>I hope you can help us.

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 2017-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I had an auto loan with this company in 2013. My car was totaled. Up until my car was totaled, my account was current, and all payments were made on time. When the car was totaled, my Santander, my insurance, and GAP insurance were notified. My insurance paid Santander the worth of the car and GAP insurance covered the rest. While this was processing Santander continued to charge me fees, payments, and more fees. The balance was originally reported as one months worth of payments, then it was reported as {$460.00}, now it is {$590.00}. They continue to change the balance amount even though it should be a XXXX  balance because they were paid by the insurance and GAP insurance. I have pulled my credit report and realize that it is severely, negatively, impacting my credit when it should not be a negative account at all. I also attempted to send the company an offer to pay a small percentage of the balance-that I do not believe I owe- just to have it removed from my credit and they did not respond. I have also asked all three credit bureaus to produce valid concrete proof that I owe this debt. I have not been provided with proof because I can only assume, as mentioned, this is because I should not owe them a penny. They should have stopped collecting and asking for money since being paid the balance by my insurance companies. Regardless, there is no proof. I am demanding one of two things. Santander needs to stop reporting this as a negative account and fix the account to CORRECTLY display the accuracy that is/was my outstanding payment history, the payments from my insurance and GAP, and the XXXX amount that I owe them. Option number two, is to delete this account from my credit report. Period. I DO NOT owe Santander anything. They were paid in full by insurance and chose to continue adding fees after the fact. I want this either corrected on my credit report to reflect positively, or removed. IMMEDIETELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: NC

Complaint narrative:
I was contacted  by Vance & Huffman abou t a year ago about I debt I owed to a company name  XXXX   XXXX   XXXX  to Own. I told the representative on the line that the debt was n't mine because I have never lease anything from this company. I asked the representative when did the debt occur, what date, what was the product, and what address was the product delivered to. He had no answers. After calling a few more time the call from the collection agency ceased. On  XXXX   XXXX ,    2017, Vance & Huffman  attached this collection to my credit report despite me denying I owe this debt. I have received absolutely no communication via mail. Not even an account number so I can request a letter of validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief