vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CERTAINTY HOME LOANS LLC
State: NC

Complaint narrative:
On XX/XX/XXXX we closed on our home after much frustration with the lending agent, XXXX XXXX who is with the company XXXX XXXX. The house was built in XX/XX/XXXX and needed to be brought up to code with the mechanical aspects ( Electrical, Plumbing and HVAC ). We asked for a XXXX loan but was told we could do a Conventional Rehabilitation Loan. Prior to closing we were told that we needed to provide the monies for the contingency reserve as well as the monies for closing. This money was self-funded by us. It was stated that the monies in the contingency reserve would be returned to us after the work for the renovations, outlined in the contract, were completed. However now that the renovations outlined in the contract have been completed we are not receiving the self-funded contingency reserve monies back. We received documentation, to be signed, stating that the monies would be applied to the principal mortgage. This was not our understanding nor the understanding of our Real Estate Agent. When asked for the paperwork to review that showed that we didn't provide the contingency monies, it was not provided to us. XXXX XXXX at XXXX XXXX then stated that they would now leave out the contingency reserve and that we could get that back from XXXX. Our loan was sold to XXXX two months after we closed. After asking again for the paperwork to review that shows that we didn't put down the money for the contingency reserve, we still have not received it. This money amounts to almost 6K. We feel that this is a dishonest and misleading practice. XXXX XXXX required us to put these monies in reserve. We have reached out to our Real Estate Agent and they are very unhappy with how we have been treated in this whole process. They are currently looking for the closing agreement to show that we did self fund the monies for the contingency reserve. We wanted to start this process of complaint as we feel that they are not intending to return the monies we funded for the contingency reserve. Dishonest business practices like these can not go unnoticed and no one should have to go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My capital one credit card platinum secured account opened on XX/XX/XXXX and all history was removed by request of capital one of 12 month history along with the tradeline of {$600.00}. Capital one denied this and stated that the account number is reporting to all credit reporting agencies when it is only one and that is XXXX. The tradleine omg with the excellent payment history was removed by request of capital one for XXXX and XXXX. I have contacted and communicated with both CRAs and they both stated that this was indeed by request of the creditor capital one. Now the account is open and active and I do keep the tradeline in very good standing with payment history and use the the credit card. My complaint is I have disputed with capital one since XX/XX/XXXX and they keep sending their results of the investigation to me stating that the tradeline are verified reporting to all CRAs when indeed its not only to one which is XXXX. Capital one does not know why the account was removed and denied that they requested for its removal and stated in a letter that they have verified its posting to all three CRAs by sending a letter also stating that. I asked by how did they verify this posting of the tradeline and by what means and keep sending a letter stating that its posting and posting accurately which it is indeeed only reporting to XXXX and not XXXX and XXXX. The situation still is not corrected and they have had enough time to allow for its resolution. The CRAs XXXX and XXXX have both stayed that they need to submit an reinsertion of the trader line and of XX/XX/XXXX none have been submitted this has been ongoing since XX/XX/XXXX. This is indeed a clear violation of the fcra for inaccurate reporting and only reporting to one CRA and removal of the reporting on XXXX and XXXX resulting in loss of age in credit history and fico scoring capital one have not went to any verification of its reporting or beyond to make sure that it is indeed reporting they have had well over 30days to correct the problem and have failed to do so this account ending in XXXX I have included reports from XXXX XXXX   credit monitoring service as well as the XXXX report. I have an old account and another active account with capital one old account dating from XX/XX/XXXX that was settled and another that is active which is quicksilver opened XX/XX/XXXX these are not to be confused with the account that is still open and active opened XX/XX/XXXX with credit line of {$600.00} account ending in XXXX which is the account removed by capital one to the authorized users on my account their reporting which is weirder and I have included the XXXX report showing the tradeline from capital one of XXXX reporting the only cra reporting it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The following companies checked my credit on those dates and I do not recognize them or can acknowledge. 

On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX   On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX/XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX On XX/XX/2018 XXXX On XX/XX/2018 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2018, I attempted to check the status of my security freeze at Experian via their website ( where I created the freeze a while back ). There is no account login option on their site unless you are a paid member. To check the status of my freeze ( i.e., remove the freeze ), I input all my correct information and the PIN I created. I then received an error that said, " We were unable to honor your request to permanently remove your security freeze based on the information you entered. '' It then instructed me to mail several pieces of highly sensitive information and documents to complete the unfreeze. This appears to be in violation of the FTC rule that states, " If the request is made online or by phone, a credit bureau must lift a freeze within one hour. '' XXXX and XXXX, in contrast, both offer free accounts that easily provided me access to my credit freeze information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: CA

Complaint narrative:
Today XX/XX/18 customers of the student loan refinancing service, Earnest,  received an email from the company outlining a new change to their dashboard. However in the smaller print of the email they revealed that they will no longer allow customers to pay their loans bi-monthly. It has been proven that paying loans bimonthly reduces the overall interest paid and can significantly reduce the life of the loan. Not allowing customers to make payments in this way is 1 ) not beneficial to the consumer and instead benefits the companys profits 2 ) limits the options customers have to make reasonable on-time payments. Paying bi-monthly or more often is a right consumers should have with their debt as it is more financially responsible and reduces the likelihood of loan default.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
Check Systems has been notified several times regarding my chapter XXXX bankruptcy and continue to report inaccurate, negative, and incorrect information to creditors. XX/XX/XXXX being the last report issued. Check systems was informed by myself and the bankruptcy court in XX/XX/XXXX that my bankruptcy had discharged but they still report information which results in denials for accounts and other services that I am eligible for.

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 2018-09-20 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: AMA Advisors, LLC.
State: NV

Complaint narrative:
They are posting inaccurate information on my credit reports. I was NEVER late!!! They are saying I was 30 days late and it is not true. They have admitted that they were wrong and sent me a refund check for the late fee. I have been going round and round with them for almost 10 months now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was a victim of Identity Theft, and on my Experian Credit Report it shows one of the XXXX accounts that reflect the incident. I submitted a Fraud form to XXXX and the problem was not fixed. It continued to hurt my credit score and they did not resolve it. My only option was to pay it and have Experian remove it, but I have tried to do so online and I haven't been able to. 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 2018-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
Original Instrument # XXXX dated XX/XX/XXXX was modified on XX/XX/XXXX by Ditech. During modification the instrument number was recorded incorrectly by one number # XXXX. When this lien was paid in full the wrong instrument number was released. I have provided property reports and documentation from the XXXX County Recorders Office several times showing the lien was still in place. I have been in contact with Ditech since beginning of XXXX with XXXX resolution and no contact names will be given. I have attached several correspondence emails and documentation to get this resolved. Letters from Ditech dated XX/XX/XXXX shows they are working on the issue and I received another from XX/XX/XXXX not resolved. I spoke to XXXX, XXXX, XXXX, and XXXX who was supposedly a supervisor. I also emailed information directly to the lien department with no response.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
I have sent 2 letters to Diversified Consultants about the debt they say I owe to XXXX. 
Both letters were sent certified and signed for. In the letters I repeatedly asked for them to send proof of the debt I owe and provide me with viable evidence, bearing my signature, showing the account is being reported accurately. 
Both times they have responded, they have not provided me with said documents. Instead they sent me a billing statement that is not accurate and has no signature from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 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: TX

Complaint narrative:
Filed a dispute with Experian on XX/XX/2018 I gave them all the account information inorder for them to investigate and I get some automated email on XX/XX/XXXX saying that this will not be changed and there investagation is complete! Investagation done in less than 8 hours not posable and they did not offer any supporting info to prove an investation took place which it did not clearly! I also am unable to reach anyone by phone or email at all! I have submitted another dispute with the same info I provided the first time and I am sending it both online and by mail, this is clearly not ok they have our life in there hands which they already sold and caused tons of problems for me with Identity theift ( and they do nothing to help with that even though it was their fault ) How can they get away with these practices why have they not been shut down are they that much more powerful than any other can anyone step in? How many complaits have to be filed to effect a change or is that something that no one can touch they just do what they want holding us all to their mercy!

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 2018-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To begin with, none of the categories fit my problem. 

My deceased husbands car was financed by Capital One. I called today to pay it off, but, after speaking with several reps of the Estates Department over a 6 week period, now, on XX/XX/XXXX, I was advised by a rep to first find out what the requirements were for retitling the car in my state. One of the documents the Maryland DMV requires is a letter from the lienholder giving me permission to retitle the car in my name. Capital One says it does not provide such a letter and the Maryland DMV will not waive the requirement of that document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: IL

Complaint narrative:
In the first week of XX/XX/2018 I received a letter from Westlake Portfolio Management LLC stating that they have been assigned to my auto loan formerly with XXXX XXXX. 
I want to note that I did not receive any correspondence regarding this change before XX/XX/2018 from either parties : XXXX XXXX or Westlake Portfolio Management LLC. 
I went on to inquire about my settlement put in place by XXXX   XXXX of about {$1100.00} left to be paid. Westlake Portfolio Management LLC acknowledged notes placed in my account regarding the settlement but assured me multiple times that they would not honor the settlement agreement and stated that I am due to pay {$7200.00}. I spoke with many representatives through out this process and none of them could give me reason to why my request would not be regarded other than XXXX XXXX ( manager ) " said no ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PR

Complaint narrative:
at XX/XX/XXXX ... I made a request to Rushmore Loan Manage through it's representative XXXX XXXX XXXX to delete an executed second mortgage account from my credit report as charge off, because since XX/XX/XXXX, this property has been executed. 
I made a successfully claim to XXXX XXXX Credit report company ... and they update correctly my information. 
However, I made the same request to XXXX company, and the didn't want to proceed in accordance with my current situation.So any of this two companies don't report my situation accurate, despite I'd have bring to them all the legal documents that show the foreclosure of my old home. 
XXXX confirmation request # is:XXXX I'll appreciate your assistance and intervention in this matter ... .thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I received a call today, XX/XX/XXXX, stating that I owed {$1200.00} to XXXX XXXX XXXX from XX/XX/XXXX. My wife and I were both on the call. The lady on the phone, XXXX XXXX, claimed that we were on a recorded line and went on to state that I had two allegations against me and a complaint has been filed. She mentioned she worked for XXXX XXXX XXXX XXXX and that she was a mediator for XXXX XXXX, the attorney for XXXX XXXX XXXX. XXXX XXXX threatened that I would be served at my home or work. She had information like the last four digits of my social, my mothers name, the current company I work for and an old street name I used to live on. None of the dates coincide with what she was saying. She also mentioned someone by the name of XXXX XXXX, but when asked for clarification on who that was, she denied stating that name. When I asked for a recording of the call, she started getting upset and stated that the recording would be used against us in a court of law during the discovery period. She also mentioned that they had tried several attempts to get a hold of me and the company decided not to put this on my credit report, rather try and collect it from me through mediation and court. 

While doing some research on XXXX XXXX, I came across this website also describing the exact call I received. XXXX XXXX XXXX While doing some research on XXXX XXXX , I came across this website also describing the exact call I received : XXXX XXXX XXXX The number they used to call from was a landline in XXXX, Texas. XXXX-XXXX-XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: NV

Complaint narrative:
They are posting inaccurate information on my credit reports. I was NEVER late!!! They are saying I was 30 days late and it is not true. They have admitted that they were wrong and sent me a refund check for the late fee. I have been going round and round with them for almost 10 months 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 explanation
Consumer complaint received 2018-09-20 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: EQUIFAX, INC.
State: NV

Complaint narrative:
They are posting inaccurate information on my credit reports. I was NEVER late!!! They are saying I was 30 days late and it is not true. They have admitted that they were wrong and sent me a refund check for the late fee. I have been going round and round with them for almost 10 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: NV

Complaint narrative:
They are posting inaccurate information on my credit reports. I was NEVER late!!! They are saying I was 30 days late and it is not true. They have admitted that they were wrong and sent me a refund check for the late fee. I have been going round and round with them for almost 10 months 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 explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: FL

Complaint narrative:
I am trying to pay the principal amount but the company is keep Just changing me with the interest. I called them 3 or 4 Times for them to take out the whole amount and paid it off but they keep Just charging me with the the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: FL

Complaint narrative:
I wrote the credit bureaus asking them to remove some late payment history from my credit report as the history reflecting on my credit report is causing a negative impact on my scores. The accounts in question is XXXX XXXX with A/C # s XXXX, XXXX and XXXXXXXX XXXX  with A/C # 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