vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a copy of my credit report and am disputing ( ALL ) accounts with XXXX XXXX to be deleted. The reasons why these items should be deleted are - I am a " VICTIM OF IDENTITY THEFT ''.

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 2018-08-24 00:00:00
Product: Debt collection — Other debt
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: Fidelity National Information Services, Inc. (FNIS)
State: KS

Complaint narrative:
At XXXX XXXX CST on XX/XX/18 I received a call from a man who said he was with CSG. I asked him what CSG what that was and he said our office in XXXX, Georgia. He said he was calling me in regards to a file he had in his office and he was wanting to resolve it before they proceeded with further legal actions against me both criminal and civil. he never once identified himself as a debt collector or advised any information would be used for that purpose. He went on to say that he was representing Certegy and that they had three debts I needed to pay. The amounts he gave me were {$380.00}, {$250.00} and the other he trailed off on. He said he wanted to provide me the chance to resolve these before they proceeded against me. I have previously spoken to Certegy and the balances are no where near this. I advised him that he was incorrect and he got verbally pushy. I told him he was violating my rights and hung up on him.

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 2018-08-24 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: MiraMed Revenue Group LLC
State: OH

Complaint narrative:
When I negotiated this payment with the collections company ( XXXX ), I agreed to pay this as long as the entry was completely removed from my credit reports. This has never happened and I've tried a few times to call them with no results. This continues to show up on my credit report and damage my scores and ability to secure financial products. 

CURRENT ACCOUNT/WAS DELINQUENT 120 DAYS PAST DUE DATE. 
DIVERSIFIED XXXX XXXX PAID ORIGINAL CREDITOR CLASSIFICATION : Cable/Cellular ORIGINAL CREDITOR : XXXX AT T LAST REPORTED DELINQUENCIES : XXXX ORIGINAL CREDITOR : AT T PAID COLLECTION COLLECTION ACCOUNT CollectionAttorney Closed Highest Adverse Rating - Date:XX/XX/XXXX, Type : Collection Most Recent Adverse Rating - Date:XX/XX/XXXX, Type : Collection Prior Adverse Rating - Date:XX/XX/XXXX, Type : Collection XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Skagit Bonded Collectors, LLC
State: WA

Complaint narrative:
On XX/XX/2018 I contacted SB & C, Ltd. was referred to XXXX? and asked for verification of amount I owed. Twice she refused, said a letter was in the mail and would not verify the amount. This woman was aggressive in her tone and condescending. I told her I had not raised my voice to her and that she was being rude. The Lady hung up on me. Recently XX/XX/XXXX the judge had reduced my LFO and sent it back to collections. In the 7 years that this company has held my account, I received two letters, one on XX/XX/2018 and XX/XX/2018. Until 2018 I was unaware this company had an account for me.The interest charges on this account are being disputed. This lady has the ability to spin someones life out of control with her attitude. I have the right to be treated fairly.

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 2018-08-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: KS

Complaint narrative:
XXXX XXXX opened on XX/XX/XXXX Balance is {$1000.00} Debt collectors are Ad Astra Recovery Service I have disputed through XXXX and XXXX  The most recent dispute was XX/XX/XXXX Started disputes on XX/XX/XXXX and sent disputes every time it was open again. 

This is not an account opened by me. I have never been to a payday loan place. I have no record of receiving XXXX dollars in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I have on disputed this debt ( 3 ) three times with XXXX via phone dispute and letters stating the debt is NOT MINES and I HAVE NO KNOWLEDGE OF THIS DEBT. However, XXXX said they verified the information as accurate but did not supply who they verified the information with. 

Caine & Weiner placed an collection in the amount of {$190.00} on my XXXX credit report. Prior to checking my credit report, I had no knowledge of the debt. I NEVER received dunning letter or phone calls regarding this debt from Caine & Weiner. Therefore I was not afforded the right to do my due diligence to dispute or pay debt before it was reported on my credit. 

The collection agency ( CAINE & WEINER ) continues to report inaccurate negative tradeline on my credit report. I decided to give Caine & Weiner the opportunity to do the right thing and obey federal laws and provide me with concrete proof I owe this debt before taking legal action. 

As an FINAL WARNING before I invoke my right to legal counsel, on XX/XX/2018 another request for the debt to be validated mailed certified to Caine & Weiner ( see attached debt validation letter ) Caine & Weiner has NOT responded to my request or provided any PROOF that I owe this debt. They also have NOT deleted the negative remark from my credit file. 

By reporting negative tradeline on my credit report has defamed my credit history and Caine & Weiner have violated Texas laws as well as federal laws regarding Fair Debt Credit Reporting. 

Prove it or REMOVE it!! As they were so quick to put this on my credit report is how I want them to move to remove it from my credit file. Quick, fast and in a hurry!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: TX

Complaint narrative:
After the death of the primary account holder I as the cosigner was notified that I had to pay the monthly payments of the student loans. I notified the loan holder that the individual that passed away had life insurance and that that would pay off the remaining balance of the student loans. This took time as the life insurance process took place and until the remaining balance was paid I was harrassed and marked as 120 days late in my credit report damaging my credit score and preventing me to qualify for a mortgage. please see attachment.

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 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I recently called and emailed the company in attempts to have the debt amount corrected in my credit report. They are reporting that I owe {$3500.00} when the debt should be reported as {$1700.00} per the XXXX county clerk of court. I have a notarized document from the court house that has the correct amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My complaint is with Capital One 360. I had a primary mortgage as well as a HELOC loan for my property in Ohio. I was recently notified that they sold both loans to two different lenders / servicing companies. Both companies, XXXX and XXXX XXXX XXXX are primarily in the business of debt collections. 

I understand that is it perfectly legal for Capital One to have sold these loans, but I do not appreciate the fact that closing these loans and re-opening them under a different account has caused my credit score to plummet. I also do not appreciate the fact that I now am treated like a delinquent debtor when I call these collection agencies. Furthermore, whereas I previously had the ability to call one number to discuss my accounts, I now have to manage them across two different organizations. 

I take great care to manage my debts as well as my credit record and I do not think it right for a bank to damage my score, resulting in higher loan costs, in this manner. I also do not think I should treated as a delinquent when I have not had a late payment in 30 years! 

I guess the best way to summarize my complaint is that Capital One sucks ... because they have no concern with regard to the consequences their actions levy upon their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: CA

Complaint narrative:
I received a copy of my credit report and am disputing ( ALL ) accounts with XXXX XXXX to be deleted. The reasons why these items should be deleted are - I am a " VICTIM OF IDENTITY THEFT ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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 received a copy of my credit report and am disputing ( ALL ) accounts with XXXX XXXX to be deleted. The reasons why these items should be deleted are - I am a " VICTIM OF IDENTITY THEFT ''.

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 2018-08-24 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
PURCHASED HOMES XXXX AND XXXX ON REPAYMENT PLAN AND LOAN MODIFICATION SINCE BANKRUPTCY DISCHARGED XXXX MY CREDIT SCORE KEEPS GOING DOWN, ONLY HAVE 2 REAL ESTATE LOANS, NO CREDIT CARDS OR REVOLVING ACCOUNTS, NO OPEN ACCOUNTS, YET CREDIT SCORE WENT FROM XXXX TO XXXX IT SHOULD BE GOING UP NOT DOWN .... PLEASE ADVISE 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 2018-08-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
Speedy cash opened on XX/XX/XXXX Balance is {$1000.00} Debt collectors are XXXX  XXXX XXXX XXXX I have disputed through XXXX and XXXX The most recent dispute was XX/XX/XXXX Started disputes on XX/XX/XXXX and sent disputes every time it was open again. 

This is not an account opened by me. I have never been to a payday loan place. I have no record of receiving XXXX dollars in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: AR

Complaint narrative:
COLLECTOR ONCE AGAIN VIOLATED FCRA-FDCPA AND TCPA BY CALLING MY MOMS CELL 11 TIMES. THEY PURCHASED SAID DEBT THAT WAS PARTIALLY PAID LAST WEEK.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I requested the private mortgage insurance be removed since I am now at less than 80 % loan to value based on the original appraisal at the time the loan was refinanced. 

I was sent a letter that I can't have the pmi removed until I obtain a new appraisal or the loan reaches a loan to value of 75 % The letter I was sent regarding the removal of pmi was different than the terms I was sent from the original lender indicating I would have it automatically removed at 78 % The loan is a 15 year fixed and would be at 78 % based on a normal amortization period in 4-5 additional months which is the same as paying for a new appraisal from their vendor The loan was closed in 2016 and they didn't indicated I was now subject to the Homeowner 's Protection Act of 1998

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 2018-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I have been with Mobiloans for 4 years and through their reward program, I earned the status of Diamond. Diamond status would allow me to receive an 80 % discount on fees. As of XX/XX/2018 the fee discount will be reduced from 80 % to 65 %. My fees were {$22.00} every two weeks and now they are {$38.00} ( an increase of {$16.00} ). I called Mobiloans on XX/XX/18 and inquired about the increase that I noticed on the website. She advised me that everyone has to pay the increase. I called again today, XX/XX/18 because the fees are too high and will take me longer to pay off the loan. The first representative tried to tell me that there was an opt-in or an opt-out and the time has passed to select either. I told the representative that I had no knowledge of an option at all. And at no time did the representative advise me that their was an opt-in or opt-out from the XX/XX/18 call. I asked to speak with the Supervisor and I was connected to XXXX. She told me that she would review the call from XX/XX/18. XXXX advised me that they will not be able to change the opt-in or opt-out since I didn't give the representative at the time my choice. I reiterated to XXXX that I was never given a choice and I believe this to be deceitful and I plan to file a complaint with the CFPB. She then advised me that she would send it over to her legal department. I never received an email regarding the increase either. Nor did the website advise of an opt-in or opt-out.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
COLLECTOR ONCE AGAIN VIOLATED FCRA-FDCPA AND TCPA BY CALLING MY MOMS CELL 11 TIMES. THEY PURCHASED SAID DEBT THAT WAS PARTIALLY PAID LAST WEEK.

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 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PURCHASED HOMES XXXX AND XXXX ON REPAYMENT PLAN AND LOAN MODIFICATION SINCE BANKRUPTCY DISCHARGED XXXX MY CREDIT SCORE KEEPS GOING DOWN, ONLY HAVE 2 REAL ESTATE LOANS, NO CREDIT CARDS OR REVOLVING ACCOUNTS, NO OPEN ACCOUNTS, YET CREDIT SCORE WENT FROM XXXX TO XXXX IT SHOULD BE GOING UP NOT DOWN .... PLEASE ADVISE 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 2018-08-24 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: MI

Complaint narrative:
I called Experian spoke with XXXX in Disputes twice with no resolution. 

I asked does filing a dispute affect your report before the dispute is settled. XXXX told that the question was out of his scope and his Supervisor would not come to the phone as it was out of their scope as well. XXXX transferred me to Experians membership department because according to him they're the only department who can answer question regarding what affects scores.

At the membership department I asked the same question 'at Experian does filing a dispute negatively affect a credit score? '' I was advised to contact a credit  advisor and was transferred back to the disputes department and the same rep XXXX answered the phone. I asked for a supervisor then someone named XXXX came to the phone which sounded like the same person trying to us a different voice. 

I asked XXXX to tell me any new negative reportings for the last 2 weeks. He confirmed what I suspected which was nothing negative had been reported on my report any time recently. 

My only recent activity is filing a dispute on XX/XX/2018 which is still open. 10 minutes after I submitted this dispute my credit score dropped 20 points. ( XX/XX/2018

), again with now new or even recent negative reportings or activity in my credit file.

I contacted a professional credit counselor as advised by Experians membership department and they further confirmed that there was no activity that would have caused this drop in my score.

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 2018-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WY

Complaint narrative:
Submitted a new auto loan application on XX/XX/2018 which was approved at 3.29 % APR locked until XX/XX/2018. Contacted bank to issue loan funds on XX/XX/XXXX and was told that I would have to re-apply because settlement method changed from dealer funding to refi funding ( still for same new auto product ). Further told that bank would not honor locked 3.29 % APR, and instead APR was  given at 3.49 %. Asked to escalate request to honor locked rate, and was spoken to unprofessionally and escalation was refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
About half a year ago I some problem with my credit report with XXXX, I called them and they told me that I have a balance. That was a surprise to me because I haven't recieved a bill in almost a year. I called and resolved the issue and pay off the balance. I was told that it wouldn't affect my credit. Half a year later, today I saw my credit being affected even worse. I called XXXX and was sent to collections and was told I have a balance of {$2.00}. Apparently this {$2.00} was added on as interest after my account was paid off. There was no bill, no calls or anything to even let me know of this problem. The consumer agent on the phone told me that XXXX does it's billings like that and that they still tackle on a interest even if your account is paid in full. Now my credit is hurt badly for a mistake that XXXX made.

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 2018-08-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There has been addresses that I never lived at being put on my credit report. I have been disputing this for over 4 years now. I filed a complaint with CFPB and you contacted Equifax. One of the things your website suggests is that I contact the company, or persons submitting the wrong information to get this corrected. I contacted Equifax and they gave me the run around. I contacted CFPB again, about being given the run around, and that Equifax will not give me the information, and another letter was sent to Equifax. Today I received a letter in the mail from Equifax stating that the information that I provided does not match their records. Again they want a copy of my birth certificate, pay stub with SS # on it, SS card, driver 's license, mortgage statement and utility bill. This is just a game they are playing and giving me the run around again. I am not giving them this information. They have all my information and I want the information as to who is giving them the incorrect addresses for me so I can contact them to correct it and put a stop to it. If I don't receive this information in 2 weeks I am contacting my lawyer to take this further.

Company response to consumer: Closed with explanation