vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
We fell behind on our mortgage after a go karting accident and struggled to pay, but once we started paying again they stopped taking payments and have not reviewed our loss mitigation package.

Company public response: Company believes the complaint is the result of a misunderstanding
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: Coastal Credit, LLC
State: GA

Complaint narrative:
I opened a loan with Coastal Credit in XX/XX/XXXX. Payments were consistently made on time. The vehicle started giving me problems so I initiated a voluntary repossession. The car was returned to the lender XX/XX/XXXX. They are continuing to report a late payment to the credir bureaus EACH month. This is almost 3 years old.  There is no way this tactic can be legal. I've written them several times requesting that the stop, but each month, my credit score drops because they are wrongfully reporting this information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I received an automated phone call from loancare to return their call regarding my mortgage account. I called them back and a lady said that I posted my payment for XX/XX/XXXX which would have been a day late. So, I had her cancel the payment for XXXX XXXX and paid it on XX/XX/XXXX. Before getting off the phone with the lady I made her double check to make sure the payment for the XXXX was cancelled and she assured me that it was. Yesterday, XX/XX/XXXX my husband stopped to get gas on his way home from work and his debit card was declined. He checked his account and it was over {$1000.00} overdrawn. Loancare had processed the payment for the XXXX. I then called them again on the XXXX and they said I had to submit proof that it was taken out of our account. So I emailed them our bank statement right then. Then I called again this morning. XX/XX/XXXX. I spoke with a manager. He told me that they had to file a reverse payment request and that it could take up to 5 days to process. So now my husband 's bank account is over ONE THOUSAND DOLLARES overdrawn plus an overdraft fee. Now he  can not get gas for work and we cant pay our other bills or buy groceries. I checked on the XXXX and they are not accredited and have so many complaints. Something needs to be done about this mortgage company especoally since they are handling cha mortgages etc.

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 — Information belongs to someone else
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My daughter, passed away on XX/XX/2015. After she passed away I had to take care of her affairs. Thats when I discovered she falsified my signature to obtain a loan for educational purposes. I did not authorize her to use my signature or my likeness to obtain a loan or financial purposes. I have contacted all three credit bureaus, the department of education and Navient who holds the loan and they refuse to remove it from my credit report. Its hard enough to lose a daughter but to have to deal with this as an ongoing reminder is more than one should bear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: KY

Complaint narrative:
This debt has been paid directly to the original owner of the debt, a local Utility company. They have been accepting payments on this debt for months now, and it has been paid in full as of XX/XX/2019. While the full balance has not updated as yet, this debt collection company has no right to keep reporting an incorrect account on my credit report. I have been in negotiations with the original owner of the debt, and have been paying since XX/XX/2019. They have been willing to accept payments, and I have discussed deletion with them directly. I have no contract and therefore, nothing to negotiate with this debt collection company. Please delete this account from your records as soon as possible.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I opened a loan with XXXX XXXX in XX/XX/XXXX. Payments were consistently made on time. The vehicle started giving me problems so I initiated a voluntary repossession. The car was returned to the lender XX/XX/XXXX. They are continuing to report a late payment to the credir bureaus EACH month. This is almost 3 years old. There is no way this tactic can be legal. I've written them several times requesting that the stop, but each month, my credit score drops because they are wrongfully reporting this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I opened a loan with XXXX XXXX in XX/XX/XXXX. Payments were consistently made on time. The vehicle started giving me problems so I initiated a voluntary repossession. The car was returned to the lender XX/XX/XXXX. They are continuing to report a late payment to the credir bureaus EACH month. This is almost 3 years old.  There is no way this tactic can be legal. I've written them several times requesting that the stop, but each month, my credit score drops because they are wrongfully reporting this information.

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:
These accounts were done under fraud and I have disputed these accounts and they are affecting my livelihood. I first realized the issue when I found addresses on my credit report that did not belong to me : XXXX XXXX XXXX XXXX XXXX, PA XXXX, any accounts connected to this address are not mine and need to be removed. The accounts have violations of the Federal Credit Reporting and the fair Credit Debt Act. These accounts are causing financial hardship in my life. Its been a violation of my eight amendment United States Constitutional rights by which its caused suffering. These creditors have utilized predatory lending acts and practices that have caused me not to secure adequate housing and reliable transportation. Im an indigent person now that the Credit Reporting agencies fail to investigate and correct my disputes. If my issues are not corrected I will be forced to escalate this matter to Federal court. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
States I opened an account on XX/XX/2018. I had not opened an account with portfolios recovery at all or with anywhere else. Its false to state that I opened an account on date stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal.com will not let me close my account nor access it to check for transaction disputes. This involves accounts associated with paypal.me/XXXX and paypal.me/XXXX I can not close/login or contact support for my primary account. And the secondary account has the name of CARE GIVER and I am unable to amend this data or close the account or contact paypal via this account in regard to my primary account. 

I want to remove donation links as I am not 503 ( c ) paypal.me/XXXX and paypal.me/XXXX  A video of me attempting to login with correct password is available at XXXX and XXXX has screenshots

Company response to consumer: Closed with 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: 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: NJ

Complaint narrative:
I have contacted Equifax, XXXX and XXXX numerous times in XXXX and XX/XX/2019 to request that they remove all outstanding disputes on my record. Each call the rep places me on hold and returns and says it is done. Each time thereafter my mortgage company pulls my credit and tit is still there. This cycle has repeated itself for 2 weeks and the only change that has occurred is a credit drop from XXXX to XXXX with Equifax. 

Equifax treating each mortgage inquiry as a new inquiry, even though they all fall within 14 days. 

None of the 3 companies have removed any disputes as I have begged them.

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: Western Credit & Collection Service, Inc.
State: OR

Complaint narrative:
I filed a complaint with you against Western credit in XXXX Oregon keeping a report which is not correct on my a record affecting my credit score it's been way over two months nothing 's been done the  investigation that you did proves bias and discrimination because it's still there and nothing 's been done all you have to do is verify that my State insurance XXXX through the Oregon XXXX plan has already paid that bill over 3 years ago it's not my job to do anything since I've done everything I'm supposed to do it's your job do you do it correctly and to research this the right way and not just take someone's word for it because that is discrimination bias and I will sue you in a court of law if you don't fix the problem XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I have no idea who I Q Data International is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. I Q Data International is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

I notified I Q Data International via certified mail RR # XXXX XXXX XXXX XXXX XXXX and requested documents and they did not provide the information that I requested. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized I Q Data International as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ I Q Data International } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to I Q Data International, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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 — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
When I first acquired my home mortgage through XXXX XXXX XXXX, I set up automatic payment. I always have bills set up this way to ensure nothing is ever missed. When Chase acquired the mortgage and my loan was transferred over, apparently a payment ( although still set up through automatic payment ) was missed. I didn't know about this, nor the transfer. Chase has been charging me interest and has said I'm behind a payment ever since. They contacted me a few years later to notify me of this. As to why I never noticed .... I set everything up on automatic payment for this very reason. During this time, I've gone through a divorce, had major medical issues, started a business on my own ( and have been trying to maintain it ), etc., so I trusted everything on automatic payment to continue as it always has. I've spoken to a number of representatives at Chase and can't seem to make any headway. This seems highly unfair, unjust, and unethical.

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: NJ

Complaint narrative:
I have contacted XXXX, TransUnion and XXXX   numerous times in XX/XX/XXXX and XX/XX/2019 to request that they remove all outstanding disputes on my record. Each call the rep places me on hold and returns and says it is done. Each time thereafter my mortgage company pulls my credit and tit is still there. This cycle has repeated itself for 2 weeks and the only change that has occurred is a credit drop from XXXX to XXXX with XXXX. 

XXXX  treating each mortgage inquiry as a new inquiry, even though they all fall within 14 days. 

None of the 3 companies have removed any disputes as I have begged them.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax data breached has caused more violation and could be more to my credit history XXXX XXXX XXXX in the XXXX XXXX known at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Prince Parker & Associates
State: OH

Complaint narrative:
My roommate received a call to her cellphone from a gentleman named only Mr. XXXX, his phone number is XXXX extension XXXX in regards a supposedly owed amount of {$1800.00} to XXXX XXXX XXXX. Mr. XXXX proceeded to provide sensitive information in regards such debt. I used to be a collections agent and under NO circumstances details were to be disclosed, reason why? Anyone can provide with incorrect details in order to get information not related to them, which happened in this situation. The collector 's job should have been to provide his name and phone number and ask for me to give him a call, not to spill everything to someone who wasn't me. I never got any calls in regards this nor letters trying to " collect a debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I requested that they stop calling on XX/XX/XXXX and they hung up. They called on XX/XX/XXXX and I hung up. They called on XX/XX/XXXX and I told the rep that the law is that they can't call me if I tell them not to call. I told them if they have a debt to collect that they have to do it through the court system. She was completely unaware of the law and firmly believed that she could continue to call. She wouldn't understand it so I said not to call and I hung up. They called again on XX/XX/XXXX and I didn't answer.

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: Freedom Mortgage Company
State: FL

Complaint narrative:
My mortgage was sold to another company ( XXXX XXXX ) for XXXX dollars. I have made over 12K in principal payments which Freedom Mortgage shows on my statements but kept the money instead of transferring it over to my new mortgage company. Per my freedom mortgage statement, my remaining principal should be {$340000.00}. My wife and I have contacted freedom mortgage and the new loan company several times and the new company says the fault is with Freedom. Freedom has been very unhelpful and has shown no interest in resolving this matter. I did get a response from Freedom Mortgage which I have attached in which the representative reviewed the issue and calls and says it will be corrected and also apologies for the behavior of some of the companies representatives with how they handled the issue but that was a while ago and still the issue persists. I have spoken to well over a dozen Freedom Mortgage representatives and supervisors who have not assisted at all and Freedom seems content on selling my mortgage and keeping the extra principal payments.

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: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We were Suppose to close at XXXX this morning! Bank of America refused to fund loan at XXXX yesterday! They went all the way to the last minute and refused to fund it! After charging the buyer all the fees to prepare the loan, then they bailed at the last second because the 90unit condo has a reserve of {$300000.00} with an insurance deductable of {>= $1,000,000}. The buyers are putting {$290000.00} down on a {$510000.00} condo! This bank has lost their minds and has cost both the buyers and us the sellers time, money and aggravation out of their own incompetence to execute the very basic of services XXXX providing loans ) The buyers have a XXXX credit score and a house paid off in XXXX worth triple this one. This bank needs to be broken up in my humble opinion! They are toooooooo big and have tooooooo much power to be allowed to perpetrate this kind of misery on its customers!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XX/XX/XXXX received call we let go to voicemail claiming to be Capital One. Stated : " There was a problem with your account, but we have resolved it. If you have any further questions, call ( phone number given ). We ignored it as a scam call. XX/XX/XXXX received bill from Capital One and were surprised to see two new names authorized to use our account, XXXX XXXX and XXXX XXXX. The week prior, a collection company letter was received about a overdue XXXX XXXX XXXX bill for a XXXX XXXX we returned to sender. 

Called Capital One and eventually got to the Fraud Dept. New cards would be issued to us, but subsequent email to us stated new cards would also be issued to XXXX and XXXX. Called Cap One again and were assured that is not true, but no one could state why the email was sent saying otherwise. 

File a fraud alert with XXXX. Filed identity theft report with local police. They said to get the address where the cards were sent would be helpful if they are local. I called Cap One and Fraud Dept reported these fraudulent cards were sent to XXXX, Wisconsin, but claimed federal law protects the confidentiality of the crooks who stole our identity. I was given another number and a fraud report number : XXXX. I was given a phone number to text. No response.

Company response to consumer: Closed with explanation