vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-09 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: PA

Complaint narrative:
on XX/XX/2018 i have submitted disputes to Experian via certified mail 2 days later they claimed to already verify the debts that is harming me and my credit report with negative information. in the letter i have sent i demanded how they verified the debt belonging to me they have NOT sent me any information under my fcra rights about what there motehod of MOV was and who reported the information a few days later i have recieved a letter on dated the exact day of the disputes they received stating they WILL NOT look further into the investigation/disputes that is a validation of my rights to know where and how they have gotten my information from false reports on my credit which is harming me credit files and scores with negative information i will pursue this matter into the court of law if need be below i will attach the form that they have sent me stating the will no long further disputes ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) and ( XXXX XXXX ) this is a violation under the FCRA 616 disregarding i as the consumers request i demand this matter be taken care of effectively within 15days!

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 2018-08-09 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Recently issued a dispute on XX/XX/2018 about multiple charges stemming from XXXX with my Discover credit card. 

These charges were fraudulent and I did not authorize them or dealt with this company at all. 

The charges totaled more than {$37000.00}. 

I received disputes favoring me in total of {$7000.00} and was on the hook for the rest of the disputes over {$30000.00} even though they told me that after the investigation XXXX failed to communicate with them and provide Discover with any evidence or transactions. 

I received no written communication of the reason why I did not win all the disputes or any written communication with Discover at all through the whole process. 

After receiving multiple emails on XX/XX/2018 about most of my cases being valid ( even though they got no communication with XXXX  ) so they basically decided the charges were valid with no evidence to back this up. 

I then communicated with Discover chat about this issue and they claimed that I had dealt business prior with XXXX XXXX  which is completely false I had no idea what XXXX XXXX even was. 

They just then referred my cases to the actual fraud department instead of billing disputes ( the department I should have been referred to for my issue in the first place ). 

I will post an update after their investigation is complete about how the fraud department chooses to handle my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX : Acct # XXXX showing on my credit report. 
Not my account. Account states on credit report was opened XXXX. I was born XXXX, I was XXXX. Says last reported XX/XX/XXXX. 
Amount Owed {$0.00} but wasn't mine needs to be removed. 

XXXX Account 2nd Account reflecting on credit report Acct # XXXX States Opened - XX/XX/XXXX ( I was XXXX in college, did not have credit ) Last Reported XX/XX/XXXX Balance Due - {$380.00} States there are 19 ( 90 day ) lates Maximum credit stated > {$210.00} In addition this account was charged off closed by creditor. States this underneath acct # on report. How can they continue to bill and report a charged off account trying to collect past 20 years. 

I checked to see if my dad has a credit card with XXXX in event it was his but he does not.

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 2018-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: CA

Complaint narrative:
XX/XX/2018 I did a loan search online and this company was suggested. The interest rate was not clear to me and I ended up paying XXXX on a XXXX loan. No documents were sent to me.

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 2018-08-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I found some fraudulent accounts on my credit report and I sent necessary paperwork to Equifax to have them removed and Equifax has not done anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
XX/XX/2018 Standard Mortgage delivers check in amount of {$1100.00} to XXXX XXXX XXXX for annual hazard insurance payment. Paid out of my escrow account, which was " fat '' because Standard Mortgage had been collecting more than was necessary to cover T & I. On XX/XX/XXXX the check is redeposited in my escrow account. No further action to pay property insurance taken. All this is evident by reviewing my account online. 


Today, XX/XX/XXXX, I received an email notice from XXXX XXXX that tipped me off on the problem with payment. XXXX XXXX says the check was unauthorized. Now of course the insurance company wants me to pay the annual premium ASAP plus the returned check fee. 


I do not know why the check from Standard Mortgage did not issue a valid check to XXXX XXXX. I have never missed a payment and have been a customer of theirs for 17 years. I currently have 2 houses mortgaged through them. 

My biggest issue besides the " bad check '' is that I was not notified and there was no followup action to cut another check to XXXX XXXX.

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 2018-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NH

Complaint narrative:
I purchased my home in XXXX of XXXX. XX/XX/XXXX, I filed for a loan modification due to the fact my husband was unemployed as of XXXX, XXXX. I submitted all the required forms. No action was taken and my payments actually went up. They state they never received this. 
Since that time, I have tried working with this company while my husband had temporary jobs. I have called several times to make a payment or partial payment, with the rest payed on my payday. I was told that I needed to pay the full amount due right then. 
When I was told to use a bank check, they would send the check back to me weeks later and tell me that the total amount was due. At the present time, I had sent two bank checks totally about {$4000.00} to them, which they tell me they never received, but sent back two monthly payments, one before these checks and one after. 
They have left notices on my door as well as having someone taking pictures late at night of my house and vehicles. They are unwilling to work with me in any way. I have XXXX children and have tried working with them for several years. I would like to find another mortgage company, but they have ruined my credit, making that impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collins Asset Group, LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX is claiming I owe them a lot of money, however when asked the attorney XXXX for this so called debt 's itemized statement and copy of the agreement no one will give me the information. XXXX XXXX XXXX stated that they liquidated the mortgage I had with them. XXXX will not tell me from what the debt came from. 
XXXX XXXX XXXX also has not produced a statement for this debt and a person can never be reached in the company who can answer the simple question of where the debt came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This Complaint is against Equifax XXXX. XXXX XXXX XXXX, GA XXXX On XX/XX/2018 I have sent a dispute letter to Equifax certified via mail tracking # XXXX and letter was received by Equifax on XX/XX/2018. I waited 43 days for a completed investigation and response from Equifax and still did not receive anything in the mail from them. So on XX/XX/2018 I sent a 30-day non-response letter certified via mail tracking number # XXXX and was received by Equifax on XX/XX/2018 stating to Equifax to remove all negative accounts that I have disputed with them on XX/XX/2018 because Equifax failed to show proof of debt and failed to respond to my dispute with in 30 days by law. Equifax then sent me and updated credit report via mail on XX/XX/2018 credit report confirmation # XXXX and in that report they did not update and delete all accounts that I have disputed with them on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Pendleton Capital Management
State: OH

Complaint narrative:
I have had XXXX XXXX from Pendleton Capital Management contact me Monday, XX/XX/XXXX before XXXX XXXX. One call was at XXXX XXXX then again at XXXX XXXX eastern standard time. When I didn't answer he then called my parents which would have been before XXXX XXXX  central time as they are in Texas. Not only did he call them before XXXX XXXX he also released my debt information to them. I know this from the details relayed to me in a text message. When setting up payment arrangements on a previous call to these calls, Mr. XXXX failed to mention to me a {$10.00} processing fee for each payment, which I am still being charged and it is not being applied to my debt as it should be since on a recorded line I was not informed of it. When speaking with Mr. XXXX on XX/XX/XXXX I mentioned this to him and his response was " oh Yeah ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank is giving me headaches. I put in a dispute for charges that were suppose to be funded back to me. Apparently, I won the dispute against the merchant and was credited back {$100.00} into my checking account. I already had an overdraft for something I'm taking responsibility for. So I see another debited transaction for {$100.00}! I called the customer service to figure why I now have - {$220.00} in my checking account. Apparently the dispute department credited me {$100.00} twice!! Which I didn't know and held liable for something that was their mistake and not mine! Now I'm held responsible for their mistake!!! Is this fair? It sure not!!! Someone screwed up their job and I'm scapegoat for it!! I'm seriously considering taking my business elsewhere because this is ridiculous!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/17 thru XX/XX/17 there was more than {$1100.00} in unauthorized atm withdrawals/debit charges to my account. My immedialty went to the bank disputed the charges explaining my safe was stolen out of my hotel room by individuals that I know. The wife called the hotel pretended to be me adding her husband to my reservation without verifying bcc it was done via phone. I went out for the night to celebrate my bday, when I came back I noticed my safe was empty. I was traveling at the time so the only place for me to keep something valuable would my safe. Santander bank is the only bank I know of that sends a debit/credit card in the mail. a seperate envelope that has a PIN number inside for th debit card. Which was how my PIN number was revealed. The couple was not on my reservation, I never gave my pin to debit but card to anyone ever. Since XX/XX/2017 Ive filed a claim about these charges numerous times. The bank refuses to credit me. I provided a police report etc. I called the FDIC for help because I dont understand how Im not entitled to the money that was stolen. They referred me to you. So Im hoping you can help. Im attaching affidavits, list of unauthorized charges and letters from the bank regarding there decision.

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 2018-08-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
In XX/XX/2018 I traded-in a leased XXXX XXXX XXXX for a new, XXXX XXXX XXXX which I purchased at the same dealer ( XXXX XXXX XXXX, FL ). 
Any further financial obligation for the car lease on the XXXX XXXX XXXX was, I was led to believe, the responsibility of the dealer. 

In XXXX, I received a bill for excess wear-and-tear on the XXXX XXXX for {$340.00}. I sent in the payment and GM Financial has acknowledged receiving it on XX/XX/2018. YET, FOR SOME REASON, GM FINANCIAL FILED A NEGATIVE CREDIT REPORT ON ME THE NEXT DAY ( XXXX ) THIS DESPITE THE FACT THAT PAYMENT WAS MADE AND DESPITE THE FACT THAT A REP HAD INFORMED ME THAT THERE WAS AMPLE TIME IN TERMS OF A GRACE PERIOD FOR THE PAYMENT TO CLEAR. 

It gets worse ... 

On XX/XX/2018 when I called GM Financial to follow-up, the recorded announcement stated not only that the {$340.00} was received, BUT THAT THE NEXT REGULAR LEASE payment was due in XXXX. 

I would like CFPB to do 2 things : 1 ) compel GM Financial to do the right thing and immediately retract its unwarranted negative credit report and note that it was filed in error ; and, 2 ) compel GM Financial and XXXX XXXX XXXX to work out between them the matter of any remaining lease payments on the XXXX XXXX, as per my trade-in agreement in XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I'm submitting this in hoping to get Navy Federal Credit Union to remove a 30 day missed payment from my credit reports from XXXX of 2017. My husband was in the process of changing assignments and our pay was messed up. In addition there were fraudulent charges on my credit card account that I recently found out about and were able to dispute and win. I was credited over {$600.00} because of it. This affected my balance at the time and my ability to pay my bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is listing an outdated " hard '' credit inquiry on my credit bureau report. 
The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX, XXXX, XXXX. This inquiry should be deleted from my Equifax credit file, because the Fair Credit Reporting Act, or FCRA, mandates that all credit inquiries that are 2 years old or older, must be removed, from a consumer 's report, immediately. 

I have contacted both Equifax and XXXX XXXX with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Simpson, Uchitel & Wilson, LLP
State: GA

Complaint narrative:
XXXX XXXX law firm ( Prior complaint no XXXX ) did not respond to my previous complaint filed on XX/XX/2018.with your agency regarding a debt they bought from XXXX XXXX XXXX. 

On XX/XX/2018, I received a letter at my work address machine dated and envelope postmarked XX/XX/2018, XXXX XXXX XXXX marked XX/XX/2018, from the XXXX GA law firm of Simpson, Uchitel and Wilson, LLP threatening a law suit on the XXXX XXXXXXXX XXXX debt if I did not respond within ten ( 10 ) days of the date of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  is listing an outdated " hard '' credit inquiry on my credit bureau report. 
The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX, XXXX, XXXX. This inquiry should be deleted from my XXXX credit file, because the Fair Credit Reporting Act, or FCRA, mandates that all credit inquiries that are 2 years old or older, must be removed, from a consumer 's report, immediately. 

I have contacted both XXXX  and XXXX XXXX with no results.

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 2018-08-09 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: Innovis
State: FL

Complaint narrative:
XXXX is listing an outdated " hard '' credit inquiry on my credit bureau report. 
The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX, XXXX, XXXX. This inquiry should be deleted from my XXXX  credit file, because the Fair Credit Reporting Act, or FCRA, mandates that all credit inquiries that are 2 years old or older, must be removed, from a consumer 's report, immediately. 

I have contacted both XXXX  and XXXX XXXX  with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: NC

Complaint narrative:
I'm submitting this in hoping to get XXXX XXXX XXXX XXXX to remove a 30 day missed payment from my credit reports from XXXX of 2017. My husband was in the process of changing assignments and our pay was messed up. In addition there were fraudulent charges on my credit card account that I recently found out about and were able to dispute and win. I was credited over {$600.00} because of it. This affected my balance at the time and my ability to pay my bill.

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 2018-08-09 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: NC

Complaint narrative:
I'm submitting this in hoping to get XXXX XXXX XXXX XXXX to remove a 30 day missed payment from my credit reports from XXXX of 2017. My husband was in the process of changing assignments and our pay was messed up. In addition there were fraudulent charges on my credit card account that I recently found out about and were able to dispute and win. I was credited over {$600.00} because of it. This affected my balance at the time and my ability to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: NC

Complaint narrative:
I'm submitting this in hoping to get XXXX XXXX XXXX XXXX to remove a 30 day missed payment from my credit reports from XXXX of 2017. My husband was in the process of changing assignments and our pay was messed up. In addition there were fraudulent charges on my credit card account that I recently found out about and were able to dispute and win. I was credited over {$600.00} because of it. This affected my balance at the time and my ability to pay my bill.

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