vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 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: FL

Complaint narrative:
THE ACCOUNTS BEING DISPUTED HAS BEEN HINDERING MY CREDIT FOR QUITE SOMETIME NOW. THOSE ACCOUNTS ARE REPORTING AS DEROGATORY ACCOUNTS WHEN THEY SHOULD BE OFF MY CREDIT. PLEASE SEE THE ATTACHED RECEIPT FOR ONE OF THE ACCOUNT THAT WAS PAID IN FULL BUT IS STILL REPORTING NEGATIVELY ON MY CREDIT. I WOULD LIKE THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received an alert from XXXX XXXX that I have a 30 day missed payment from XXXX XXXX. I am unaware of any business dealings with this company and wished to dispute this information on my credit report. I tried to initiate a dispute online and was unable to access my report to due this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
This company charges exorbitant fees, so I make it a point to pay it off every month to avoid fees. This month they would not let me pay it off in my usual two payments. I made the first payment and when I went to make the second payment the system wouldn't allow me to complete the payment. I received the error " This request can not be serviced at this moment. Please contact AF247 for more details. '' When I called them I received repeated canned responses with no support. They tried blaming my bank and credit union, which I proved was invalid, yet they stuck to their canned responses. This purposely causes a delay in order for them to impose their fees by PREVENTING me from making a payment. 

To clarify, the problem is not with my bank or credit union ( payments were attempted through two debit cards from different banks AND direct from my checking account on file ). This error message came up when I tried every form of payment. The problem is 100 % with AF247. The MUST release their unethical hold and allow me to pay the full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS

Complaint narrative:
I have repeatedly tried contacting this creditor after he continued to call and harrass me even when I had set up a payment arrangement online to get this debt settled once and for all. This debt is more than 10 years old and he continues to try and sue me for it. The last time I had a dealing with them they would call me and I would call them back and try to negotiate with them and they would tell me I am in garnishment status so there is no negotiating with them. This was after I had already paid over {$370.00} to them to get them off my back. They continued to try and get my employment information and bank information and when I wouldn't give it to them they would hang up on me. They refused to take any reasonable payment plan I had to offer them so even when I agreed to the amount online it wasn't good enough and they kept telling me I was in default and in garnishment status and they wouldn't let me negotiate any reasonable solution. They just continued to hang up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I have been attempting to deal with Real Time Resolutions whom is has been an extremely difficult and uncooperative debt collector acting on behalf of my mortgage company. 

I have been trying to modify my 2nd mortgage held by XXXX. The balance is {$93000.00} and the account has been in default for at least 7 years if not more, due to significant medical and financial hardships suffered by my husband and myself. 

Throughout 2019, the communications from Real Time Resolutions started off cordial and professional, and gradually turned into aggressive attempts to collect a debt and incredibly difficult " negotiations '' that were frankly absurd. 

After going through a lengthy " loss mitigiation '' application process and jumping through many hoops that were placed on us, they saw our financials, saw that we are living paycheck to paycheck and decided to offer us a 1 % settlement offer on the balance of {$93000.00} - like if I could just write a check in the amount? 

An appeal process was requested and they just deemed by comps obtained by a local  Real Estate Agent as unacceptable based on the comps used. The problem here is they are making me go through many difficult problems to try to appease there requests, and when I do obtain the documents or professional opinions they request I am not actually offered a resolution that is appropriate nor within reach of my situation. 

I would like to deal with a reasonable organization that would be understanding of the matter at hand and that would be reasonable to arrive at a resolution that is within reach. 
A real offer that can be obtained to bring closure to this account. A realistic payment arrangement to bring the account current or a lump sum settlement offer that is REASONABLE. ( 1 % discount is not reasonable )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
Aloha, I have called USAA four times since XX/XX/2019 all relating to an inquiry for all digital copies of complete mortgage loan documents executed by USAA for my records and easy reference. My call on XX/XX/XXXX eventually escalated to the Office of the CEO for unknown reasons, and multiple people from that department have subsequently reached out to better understand what I need and more specifically wanted to know why I needed them ( latest call received XX/XX/XXXX from USAA Office of the CEO ). Again, I clearly restated my requested, confirmed addresses in question and asked when I could expect my request to be fulfilled. I was told it would be researched and they would get back to me. 

After a week of not hearing anything, I called in today XX/XX/XXXX to inquire about my documentation. I spoke to an XXXX ID # XXXX in The Office of The CEO, who ultimately stated that my case was still being researched ; and when asked who was working my file, what notes were reflected in the system, and the chain of people who have been handling my case thus far, I was told varying reasons from her on her ability not disclose said information to USAA needing to " protect my account '' by not disclosing that information to her inability to see any specific notes or persons working the case. 

So I'm to gatherThe Office of The CEO, who in part, handles grievances, conducts research and resolves complaints is incapable of tracking their own research or worse they are preventing consumers the access to their records in a timely and transparent fashion, which raises even more red flags. There is no reason why a simple request made on XX/XX/2019 should be this complicated, frustrating, and lengthly. 

I need assistance looking into this matter as soon as possible. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CO

Complaint narrative:
I have been enrolled automated payments for seven-plus years with MyFedLoans. My payment was taken from my account on my due date last month as usual, but was never posted to my account. I have contacted customer service four times - three emails ( XXXX, XXXX, and XX/XX/XXXX ) and one phone call ( XX/XX/XXXX ). The three emails have never received any response other than the automated notice that they were received. The customer service representative I spoken with by phone said he would submit the issue, but that was over a week ago and the notice of delinquent payment still shows up on my account. I am still receiving automated notices about the late payment, including another today ( XXXX ), and my perfect credit report is being threatened with ruination because this company has failed to properly post the money they have already taken from my account. As I mentioned to the customer service representative, I had a loan consolidation completed with them on the same day XXXX payment was taken out of my account. If I had known this would be the result, I would have selected a different service provider. Since customer has never responded I am unsure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: CA

Complaint narrative:
XXXX XXXX XXXX ACCOUNTXXXX REPORTS LATE PAYMENTS ON ALL 3 BUREAUS IN AN INCONSISTENT CONFICTING MANNER.THIS HAS OCCURRED AFTER NO LESS THAN 3 ATTEMPTS AT ACCURACY BY DISPUTE WITH EACH OF THE BIG 3. 
I HAVE ATTACHED A THIRD PARTY RECENT REPORT BY EXPERIAN.THIS REPORT ON EXPERIAN SHOWS A 30 DAY LATE IN XX/XX/2016 AND A 60 IN XX/XX/2016XXXXON XXXX WE SEE NO LATES WHATSOVER. ON EQUIFAX WE SEE A 30 DAY LATE INXX/XX/2016. 
DUE TO THE FCRA, THE NUMBERS OF DISPUTES PER BUREAU, THE LACK OF THE VERACITY OF INFORMATION TRANSMITTED BY XXXX XXXX XXXX I WOULD ASK IN THE INTEREST OF FAIRNESS UNDER THE LAW, THE LACK OF FAITH IN ACCURATE REMEDIATION, THAT THE ACCOUNT BE DELETED FROM ALL BIG 3 BUREAUS.

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 2019-09-19 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: Absolute Resolutions Corp.
State: NY

Complaint narrative:
account status shows as charged off and however the account is settled and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: NY

Complaint narrative:
Account shows discharged but it has been settled and paid in full

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 2019-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I had a XXXX XXXX XXXX car financed from GM FINANCIAL in XXXX. Actuall car financed amount was XXXX received from GM FINANCIAL. Until now i have paid almost XXXX $ from this amount GM FINANCIAL. but GM FINANCIAL took XXXX $ as interest and they treansferred only XXXX $ for car. they are charging me 18.00 % APR. monthly XXXX as interest, and i requested one letter they are not providing that letter. when i requested pay off it was showing again the actuall fiannce amount like XXXX the dealer and GM FINANCIAL are cheating me. not provinding the requested letters and tried to reposition my car once aswell. when i ever iam sending one email to send the information they are telling in 10 emails that they will not discuss through email. i dont know why?.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
On XX/XX/2019, ONLINE INFORMATION SERVICES, sent me a letter explicitly stating that they have closed the active collection account reporting my credit report ( s ) and were in the process of removing it. To date XX/XX/2019 the collection has not been removed from my credit report ( s ) and continues to negatively effect my credit and pursuit of happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XX/XX/2019 XX/XX/2019 & XX/XX/2019 I contacted all three of the bureaus in regards to in accuracies on my credit report. I I requested for them to validate the information on my credit report Ive been part of the breaches from XXXX XXXX XXXX in Trans Union the last few years. I asked that they provide the method of verification name address phone number of company that provided the verification as well as proof they received the original dated contract with my signature three months later and they have yet to do so. I have 60 inquiries via Trans Union 35 XXXX 21 XXXX that are unauthorized and harming my ability to obtain new credit the only thing they send me is copies of my credit report not the validation which I am asking for. Trans Union and XXXX also still have the three collections on my credit report that was removed XX/XX/2019 due to no validation. I contacted yall about that also and was told it takes 10 days.

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 2019-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ashwood Financial Inc
State: IN

Complaint narrative:
In XXXX of XXXX, I felt that I was having some XXXX XXXX. I contacted XXXX XXXX XXXX to find out if my XXXX XXXX XXXX would cover the visit. They assured me that it would and I scheduled an appointment. I saw XXXX XXXX twice in XXXX. I had a XXXX  that he filled which came out 2 weeks later. He fixed it again and it came out the third time. I went into the office on XX/XX/XXXX to have it fixed again. He told me that it was a difficult filling and that since it was not on a weight bearing tooth, that it wasnt necessary to fix it again. I walked out scratching my head as I have never heard of such a thing. Then I receive a bill for {$720.00}. I called and spoke with the office, and it did not matter that they had told me that XXXX would pay, that it was my responsibility and I should call them. I told them I did not have money to pay this bill. Very soon after I was turned into Ashwood Financial. I have tried to pay them {$10.00} a month. I have worked hard to have good credit, and this entire thing is very upsetting. If anyone can help me get out from this debt or make sure others dont have to go through this, please let me know. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 (  1 ) XXXX  XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX   XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX   XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2019-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
The company cancelled the insurance policy I've purchase for myself in favor of its own insurance that is nearly 4 times as expensive. Then on top of that, I backdated the insurance policy to point where now it's charging me for two policies at once, once on XX/XX/2019, then again on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: NY

Complaint narrative:
Account shows discharged but it has been settled and paid in full

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 2019-09-19 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: NY

Complaint narrative:
Account shows discharged but it has been settled and paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: PA

Complaint narrative:
Hello I have sent them Dispute letters for all the closed accounts of incorrect numbers and dates on my credit report and no change has occurred under law if there is incorrect or error in my report they should be deleted via 609

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 2019-09-19 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: CA

Complaint narrative:
XXXX XXXX XXXX ACCOUNTXXXXXXXXXXXXXX REPORTS LATE PAYMENTS ON ALL 3 BUREAUS IN AN INCONSISTENT CONFICTING MANNER.THIS HAS OCCURRED AFTER NO LESS THAN 3 ATTEMPTS AT ACCURACY BY DISPUTE WITH EACH OF THE BIG 3. 
I HAVE ATTACHED A THIRD PARTY RECENT REPORT BY XXXX.THIS REPORT ON XXXX SHOWS A 30 DAY LATE IN XXXX OF 2016 AND A 60 IN XXXX OF 2016.ON TRANSUNION WE SEE NO LATES WHATSOVER. ON XXXX WE SEE A 30 DAY LATE IN XXXX OF 2016. 
DUE TO THE FCRA, THE NUMBERS OF DISPUTES PER BUREAU, THE LACK OF THE VERACITY OF INFORMATION TRANSMITTED BY XXXX  XXXX XXXX I WOULD ASK IN THE INTEREST OF FAIRNESS UNDER THE LAW, THE LACK OF FAITH IN ACCURATE REMEDIATION, THAT THE ACCOUNT BE DELETED FROM ALL BIG 3 BUREAUS.

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 2019-09-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX ACCOUNTXXXX REPORTS LATE PAYMENTS ON ALL 3 BUREAUS IN AN INCONSISTENT CONFICTING MANNER.THIS HAS OCCURRED AFTER NO LESS THAN 3 ATTEMPTS AT ACCURACY BY DISPUTE WITH EACH OF THE BIG 3.

I HAVE ATTACHED A THIRD PARTY RECENT REPORT BY XXXXTHIS REPORT ON XXXX SHOWS A 30 DAY LATE IN XX/XX/2016 AND A 60 IN XX/XX/2016XXXXON XXXX WE SEE NO LATES WHATSOVER. ON EQUIFAX WE SEE A 30 DAY LATE IN XXXX OF 2016. 
DUE TO THE FCRA, THE NUMBERS OF DISPUTES PER BUREAU, THE LACK OF THE VERACITY OF INFORMATION TRANSMITTED BY XXXX XXXX XXXX I   WOULD ASK IN THE INTEREST OF FAIRNESS UNDER THE LAW, THE LACK OF FAITH IN ACCURATE REMEDIATION, THAT THE ACCOUNT BE DELETED FROM ALL BIG 3 BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello I have sent them Dispute letters for all the closed accounts of incorrect numbers and dates on my credit report and no change has occurred under law if there is incorrect or error in my report they should be deleted via 609

Company response to consumer: Closed with explanation