vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries below are not mines and were deleted last year. They have been posted after being disputed and removed. 

XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX EQUIFAX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX FINAN Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX   XXXX  Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXXAuto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX   XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX The account below was deleted and was reposted after disputing. 

XXXX XXXX XXXX Reported : XX/XX/XXXX {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recieved a notice for a collection of debt from the Law offices of XXXX XXXX XXXX on XX/XX/XXXX, I called them directly disputing the charges in the amount of {$1900.00} and requested to receive an itemized list of the charges to compare to my inspection that I received from XXXX XXXX Housing Authority. At the time I was on housing and its required in order to leave a property the complex has to sign off on a intent to move notice, which I received on XX/XX/XXXX and told them i was planning to move by XX/XX/XXXX because of the 30 day notice rule there, and the housing authority has to complete a full inspection of the unit to ensure the property was not damaged from the tenant on XX/XX/XXXX, which in this case is myself. I was told by XXXX on XX/XX/XXXX who answered my call to the law office that she was going to mail out my documents requested and that I should receive them in 7-10 bs days at the most. On XX/XX/XXXX I only received a copy of my old lease from XXXX XXXX XXXX verifying that I paid a {$300.00} deposit, that's it! NOTHING VALIDATING THE CHARGES AGAINST ME as proof. Till this day I never received the charges I asked for, so I contacted the bureaus to initiate the dispute process because the debt was reported 6 times, 2 times with each reporting agency. I received notification from XXXX of the removal and with Experian they removed the debt from {$1900.00} to {$1700.00} and at that point XXXX and Experian requested my inspection proof and all supporting documents which I provided XX/XX/XXXX. I never once received written notification from these 2 agencies of a reinsertion even though they discovered initial inaccuracies to update the debt to {$1700.00} in XX/XX/XXXX. I am currently in the process of paying off alot of stuff so my credit monitor company questioned me about the change because no notification otherwise had ever been received. This is clearly fraud reporting one debt amount twice on each trade line, then to report the wrong amount without a response from the debt collector from XX/XX/XXXX, then to decrease the debt voluntarily, then to just not send me reinsertion notifications at all? How is this legal, I dont feel this is right to me to wait 6 months where I am only obligated by law to wait for the proof within a 30 day time period with written notice that of course I never recieved. Now when I call Experian they auto decline my calls so I have to call using a random social that I just type in and have also blocked me from using any online method of use through their website.

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 2018-05-08 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: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I made my normal payment of {$1000.00}. My mortgage payment had increased to {$1100.00}. I had no previous knowledge of the increase either electronically nor through regular mail service. The normal payment was received on XX/XX/XXXX but was not applied to my mortgage payment due to the {$100.00} that was short. I received a letter dtd XX/XX/XXXX stating my mortgage was in in default. They held my payment for the entire month of XX/XX/XXXX and would not post it until they received the full balance ( of which I was unaware until the letter ). I quickly made the payment and adjusted my monthly payments. On XX/XX/XXXX I received a email from XXXX stating my credit score had dropped. I went to the website and found out the mortgage company had reported a missed mortgage payment which in turn dropped my score 90 points. Point one : I never missed a payment, they had it all along. Point two : if my score had not been excellent, this would have dropped me into the fair to poor credit range. Point three : if I  had needed to purchase something on credit I would have been forced into a higher interest rate due to Mr Cooper 's misleading information. If they did this to me what are they doing to others with less credit scores. This provides markets to capitalize with higher interest rates forced onto consumers. From the time I purchased this house I have never been late nor missed a payment. This was an error on their part and I refuse to stand by and be manipulated and I do not want to see this happen to hundreds or thousands of other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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 am a victim of Identity theft and Experian, XXXX, and XXXX  is reporting information that does not belong to me.In addition, they have not responded to my request for deletion sent via certified mail recieved by them XX/XX/2018 and XX/XX/2018.

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 2018-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Our experience, like many other Dovenmuehle consumers who are widely complaining about the company on internet review sites, started with Dovenmuehle purchasing our mortgage. 

We did not choose to do business with this company, but were forced into a business relationship with them. They immediately got our monthly payment amount wrong in the first month of purchasing the mortgage XX/XX/XXXX. It required a dozen phone calls to get the corrected payment amount recorded on our statements. Due to their error of sending the wrong initial payment amount, our first couple of payments were not being applied to the mortgage, but sitting in an escrow hold. When we identified the problem of the billing amount being wrong, they corrected the problem but still charged us a late fee for our payment made in the incorrect amount, even though it was made on time. This late fee was ultimately removed after several phone calls. 

Fast forward over a year later to XX/XX/XXXX, we made our monthly payment via our bank 's bill pay, but accidentally switched 2 digits while typing in the payment amount. This typocreated a short payment amount which we immediately corrected once we were notified. We apologized for the honest typographical error and made the necessary payment to correct the payment shortfall. The resulting {$92.00} fee was not removed because we were told that " Dovenmuehle has a ONE-TIME courtesy late fee waiver policy over the LIFETIME of the loan. '' We appealed that the payment was NOT late or delinquent, but sent in the incorrect amount due to an obvious typo resulting from switching 2 digits while typing the amount into an electronic bill pay system with our bank. Their answer was too bad, the fee is valid.

I have never worked with a company with such complete disregard for their customers. There exists a huge list of complaints online with situations very similar to ours. This is evidence that they continue to treat consumers poorly and continue to get away with it. THIS MUST  STOP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I fell behind in my credit card bill ( high interest 22 % ) in XX/XX/XXXX. I spoke with representatives in late XX/XX/XXXX and early XX/XX/XXXX to get onto a payment plan to get up to date with my bill. I also attempted to close my account and go onto a payment plan due to my financial hardship ( as I had done with other companies ). The representative told me to call back in a week as I did not qualify for their plan but given no reason. I called back in a weeks time but they would not offer any solution. I would pay the bill when I could but can not catch up due to the high interest and back payments. I have continuously called Capital One for weeks to join a payment plan but they continue to tell me to " call back in a week and see if I qualify then ''. I've spoken with managers and the executive office but nothing. My bill continues to fall behind despite trying to resolve this issue and I am at a loss and will not be able to pay my current past due balance and considering bankruptcy with no resolution despite my best efforts. I filed a complaint with the CFPB to try and deal with this abhorrent customer service and receive a call from the company. The first call in late XX/XX/XXXX with the executive office disconnected with no assistance but to say " call back in a week ''. I finally spoke to a representative who put me on a " workout program '' which lowered my interest and established a reasonable 60 month payment program. Believing I finally have resolved this issue I was surprised to receive a letter two days later saying I was ineligible for the program. My account continues to be past due and I can not pay the past due. They need to work with their customers who are trying to pay back their debt. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 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: TN

Complaint narrative:
On XX/XX/XXXX I made my normal payment of {$1000.00}. My mortgage payment had increased to {$1100.00}. I had no previous knowledge of the increase either electronically nor through regular mail service. The normal payment was received on XX/XX/XXXX but was not applied to my mortgage payment due to the {$100.00} that was short. I received a letter dtdXX/XX/XXXX stating my mortgage was in in default. They held my payment for the entire month of XX/XX/XXXX and would not post it until they received the full balance ( of which I was unaware until the letter ). I quickly made the payment and adjusted my monthly payments. On XX/XX/XXXX I received a email from XXXX stating my credit score had dropped. I went to the website and found out the mortgage company had reported a missed mortgage payment which in turn dropped my score 90 points. Point one : I never missed a payment, they had it all along. Point two : if my score had not been excellent, this would have dropped me into the fair to poor credit range. Point three : if I had needed to purchase something on credit I would have been forced into a higher interest rate due to XXXX XXXX 's misleading information. If they did this to me what are they doing to others with less credit scores. This provides markets to capitalize with higher interest rates forced onto consumers. From the time I purchased this house I have never been late nor missed a payment. This was an error on their part and I refuse to stand by and be manipulated and I do not want to see this happen to hundreds or thousands of other consumers.

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 2018-05-08 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: FL

Complaint narrative:
I am a victim of Identity theft and XXXX, XXXX, and Transunion is reporting information that does not belong to me.In addition, they have not responded to my request for deletion sent via certified mail recieved by them XX/XX/2018 and XX/XX/2018.

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 2018-05-08 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: FL

Complaint narrative:
I am a victim of Identity theft and XXXX, Equifax, and XXXX is reporting information that does not belong to me.In addition, they have not responded to my request for deletion sent via certified mail recieved by them XX/XX/2018 and XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recieved a notice for a collection of debt from the XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX, I called them directly disputing the charges in the amount of {$1900.00} and requested to receive an itemized list of the charges to compare to my inspection that I received from XXXX XXXX XXXX XXXX. At the time I was on housing and its required in order to leave a property the complex has to sign off on a intent to move notice, which I received on XX/XX/XXXX and told them i was planning to move by XX/XX/XXXX because of the 30 day notice rule there, and the housing authority has to complete a full inspection of the unit to ensure the property was not damaged from the tenant on XX/XX/XXXX, which in this case is myself. I was told by XXXX on XX/XX/XXXX who answered my call to the law office that she was going to mail out my documents requested and that I should receive them in 7-10 bs days at the most. On XX/XX/XXXX I only received a copy of my old lease from XXXX XXXX XXXX verifying that I paid a {$300.00} deposit, that's it! NOTHING VALIDATING THE CHARGES AGAINST ME as proof. Till this day I never received the charges I asked for, so I contacted the bureaus to initiate the dispute process because the debt was reported 6 times, 2 times with each reporting agency. I received notification from XXXX  of the removal and with XXXX  they removed the debt from {$1900.00} to {$1700.00} and at that point Equifax and XXXX requested my inspection proof and all supporting documents which I provided XX/XX/XXXX. I never once received written notification from these 2 agencies of a reinsertion even though they discovered initial inaccuracies to update the debt to {$1700.00} in XXXX. I am currently in the process of paying off alot of stuff so my credit monitor company questioned me about the change because no notification otherwise had ever been received. This is clearly fraud reporting one debt amount twice on each trade line, then to report the wrong amount without a response from the debt collector from XX/XX/XXXX, then to decrease the debt voluntarily, then to just not send me reinsertion notifications at all? How is this legal, I dont feel this is right to me to wait 6 months where I am only obligated by law to wait for the proof within a 30 day time period with written notice that of course I never recieved. Now when I call XXXX they auto decline my calls so I have to call using a random social that I just type in and have also blocked me from using any online method of use through their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I had to go to a walk in clinic, XXXX XXXX XXXX XXXX, XXXX, in XXXX XXXX, TN on XX/XX/XXXX. At that time I was told by the clinic that all I had to pay at that time was {$25.00} and that they would send me an invoice for whatever the insurance didn't pay. 

Once we received the invoice, my wife called to set up payments of {$25.00} per month since our income is limited. My income has decreased by {$5000.00} over the past two years and my wife 's on XXXX. They would not work with her and demanded we pay in full. When my wife asked to speak to a supervisor she was put on hold for 20 minutes and then they hung up. She tried calling back but they wouldn't answer. 

My wife also tried calling their national office but they refused to work out a payment plan as well. 

They sent us to a collection agency and when I logged in and set up an account, I saw the amount is the same as on the printed statement. I tried to go ahead and pay on a credit card but it would not let me. The total we owe is {$110.00}. I went through the steps to pay this and when we got to the end it said I had typed in the wrong amount. They won't even let us pay in full and I fear that it will show up as old debt on our credit history. 

It has taken a long time for my wife and I to recover from a bankruptcy in XX/XX/XXXX and I don't want this hurting our credit when they refuse to take payment, even in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I financed XXXX XXXX XXXX XXXX through Ally. On XX/XX/XXXX the vehicle was involved in a accident that resulted in total loss. Ally was contacted by XXXX claims department and was payed {$14000.00} issued on XX/XX/XXXX. When I originally purchased the car, I also purchased GAP insurance. I first contacted Ally on XX/XX/XXXX when I started getting phone calls from XXXX XXXX XXXX in confusion when payment was received. I spoke with a Ally rep named XXXX who said " your account was coded wrong this should have been coded for total loss but instead it was coded collections. '' I have made several attempts by phone to get my GAP information so I can file my GAP claim to cover the remainder amount {$830.00} of the loan. No one at Ally including supervisor are of any assistance. I am always being told that no one can access my file to get the paperwork needed. Every time I call, I am forwarded to the collections department. Ally has falsely reported the account to collections which this has reported negativity on all 3 credit bureaus and no one is able to help me get the information I need to start Gap insurance process. I am constantly receiving collection calls from XXXX XXXX at XXXX XXXX XXXX. XXXX and I have discussed the paperwork I needed. XXXX said that he requested the paperwork from Ally, but that a lie. All I am requesting is this to be removed off my credit and the information needed to submit the GAP claim.

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