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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
07/29/2017 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I closed my {$500.00} limit credit card account # XXXX with XXXX XXXX XXXX in XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted XXXX XXXX in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the ca... | null | EQUIFAX, INC. | CA | 945XX | Servicemember | Consent provided | Web | 07/29/2017 | Closed with explanation | Yes | null | 2,589,032 | null |
09-09-2015 | Credit reporting | null | Incorrect information on credit report | Public record | I have not been living at the address which judgment was issued for the pastyear and I do not owe any money to these lawyers or landlord. I will like thisremoved from my credit report. Also I made final payment on my woman within account and close it. please research and clear my credit will be looking forapartment soo... | null | EQUIFAX, INC. | NY | 100XX | null | Consent provided | Web | 09-09-2015 | Closed with explanation | Yes | No | 1,557,164 | null |
04/26/2017 | Student loan | Private student loan | Struggling to repay your loan | Can't temporarily delay making payments | On XXXX XXXX I went to the website of my student loan company ( XXXX ) o nly to find it no longer existed. When I tried to call I could n't get through. Four days later with no news, I Googled XXXX Student loans and found a blog which stated that they were no longer handling student loans. After more researc... | null | NELNET, INC. | NY | 112XX | null | Consent provided | Web | 04/27/2017 | Closed with explanation | Yes | null | 2,467,663 | null |
11/27/2017 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | 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 | Although I have never been late on a payment with Navient since they have become my loan provider they are reporting several late payments that I was told would be removed from my credit report by the department of education once I completed rehabilitation and my loan was sold to the next servicer which is now Naviet. ... | null | Navient Solutions, LLC. | CA | 937XX | null | Consent provided | Web | 11/28/2017 | Closed with explanation | Yes | null | 2,739,138 | null |
09-02-2016 | Mortgage | FHA mortgage | Loan servicing, payments, escrow account | null | I home is under contract to be sold and the mortgage company is not providing me the payoff amount in a timely manner we were set to close at XXXX and they will not release my payoff amount until XXXX XXXX. However, they continue to report to the credit bureaus of late payments. I have a buyer who is ready to pay cash ... | null | PLANET HOME LENDING, LLC | TX | 751XX | null | Consent provided | Web | 09-02-2016 | Closed | Yes | No | 2,094,243 | null |
11/13/2016 | Credit reporting | null | Credit reporting company's investigation | No notice of investigation status/result | I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to " verify '' the accounts I disputed. Being that they have gone past the 30-day mark and CAN NOT verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are re... | null | EQUIFAX, INC. | FL | 322XX | null | Consent provided | Web | 11/13/2016 | Closed with non-monetary relief | Yes | No | 2,206,066 | null |
07/14/2017 | Checking or savings account | Checking account | Closing an account | Company closed your account | WIthout notice or reason USAA closed my checking account. Prior to this they restricted my online account access preventing me from transferring money or using the bill pay service. However a rep went through the charges on my account to verify over the phone. As my online account access was frozen in XX/XX/XXXX , pr... | Company believes it acted appropriately as authorized by contract or law | UNITED SERVICES AUTOMOBILE ASSOCIATION | TX | 787XX | null | Consent provided | Web | 07/14/2017 | Closed with explanation | Yes | null | 2,574,883 | null |
08/14/2017 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | This debt has been disputed -- with the attorney tring to collect the debt. I was soley an authorized user on this credit card. I am not personally liable for this credit card. This debt has not been verified with any original documentation from the original creditor showing that I am more than an authorizd user. Moreo... | Company believes it acted appropriately as authorized by contract or law | Bleier & Cox APC | CA | 913XX | null | Consent provided | Web | 08/14/2017 | Closed with explanation | Yes | null | 2,603,509 | null |
05/26/2017 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Your records are completely inaccurate and deceptive. Even though I contacted you in prior months in reference to this card, you contend it wa s XX/XX/XXXX . I did not telephone you on XXXX XXXX 2017, stating that I was not using this card, etc. After some confusion, I always contended that I did not have the... | Company believes it acted appropriately as authorized by contract or law | UNITED SERVICES AUTOMOBILE ASSOCIATION | VA | 235XX | null | Consent provided | Web | 05/26/2017 | Closed with explanation | Yes | null | 2,494,111 | null |
05/16/2017 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | On as many as XXXX occasions over the past year and as recently as XXXX XXXX XXXX , I have submitted disputes with TransUnion regarding an illegal tradeline on my credit report. The illegal creditor in question is XXXX XXXX . I have provided evidence that this lender is not legally licensed to offer loan ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 347XX | null | Consent provided | Web | 05/16/2017 | Closed with explanation | Yes | null | 2,485,611 | null |
10/24/2015 | Prepaid card | General purpose card | Managing, opening, or closing account | null | I have the Rush card and have not been able to access my money for weeks. My bills have not been paid at home and my daughter college funds ca n't be paid. | null | Empowerment Ventures, LLC | NC | 281XX | Servicemember | Consent provided | Web | 11/13/2015 | Closed with monetary relief | Yes | No | 1,623,323 | null |
09/13/2016 | Bank account or service | Checking account | Problems caused by my funds being low | null | Suntrust covered a debit card transaction when I had insufficient funds. They did this even though they knew I had insufficient funds at the time of the transaction and I opted out of overdraft protection. They are now charging {$35.00} for what was, in effect, a {$5.00} loan that I did not want, and thought I had opte... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SUNTRUST BANKS, INC. | GA | 301XX | null | Consent provided | Web | 09/13/2016 | Closed with monetary relief | Yes | No | 2,108,836 | null |
01-03-2016 | Credit reporting | null | Incorrect information on credit report | Information is not mine | I wrote Equifax on XXXX/XXXX/15 and alerted them to a XXXX account XXXX that is not mine. And they thus far have refused to answer my dispute NOR remove the item. I EVEN SUBMITTED A POLICE REPORT! | null | EQUIFAX, INC. | FL | 337XX | null | Consent provided | Web | 01-03-2016 | Closed with explanation | Yes | Yes | 1,725,302 | null |
08/26/2017 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | In accordance with the NCAP ( National Consumer Assistance Plan ) which was implemented to comply with the CFPB ( Consumer Financial Protection Bureau ) consent order ( In the Matter of : Equifax Inc. and Equifax Consumer Services LLC ADMINISTRATIVE PROCEEDING File No. XXXX ) ; the minimum reporting requirements stipul... | null | EQUIFAX, INC. | CA | 900XX | null | Consent provided | Web | 08/26/2017 | Closed with explanation | Yes | null | 2,651,318 | null |
11-06-2017 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have disputed the Wells Fargo tradeline on my credit files with XXXX, XXXX and XXXX as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. XXXX is reporting the account as " open '' and updated the status with the date of my di... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 956XX | null | Consent provided | Web | 11-06-2017 | Closed with explanation | Yes | null | 2,721,237 | null |
08/16/2017 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Over two months ago, I asked Equifax to investigate errors on my credit report. They are supposed to respond within 30 days, but have yet to respond. | null | EQUIFAX, INC. | NC | 275XX | null | Consent provided | Web | 08/16/2017 | Closed with explanation | Yes | null | 2,641,793 | null |
02/20/2018 | Debt collection | Credit card debt | Communication tactics | Called before 8am or after 9pm | We asked for proof of debt from XXXX XXXX XXXXXXXX which was never delivered. On XX/XX/XXXX their company ( from number XXXX which I verified was Portfolio Recovery ) called at nearly XXXX XXXX. I have screenshots and can provide phone records. | null | PORTFOLIO RECOVERY ASSOCIATES INC | GA | 301XX | null | Consent provided | Web | 02/20/2018 | Closed with explanation | Yes | null | 2,820,187 | null |
12-06-2016 | Mortgage | Conventional fixed mortgage | Loan servicing, payments, escrow account | null | My roof and siding were damaged in a hail storm in XX/XX/2016. We selected a contractor, recommended by the insurance company. We paid the contractor {$10000.00} from our own account to pay for materials to begin. We received an initial check from XXXX, then an additional check after estimates by the contractor, and a ... | Company believes it acted appropriately as authorized by contract or law | Ditech Financial LLC | TX | 796XX | null | Consent provided | Web | 12-06-2016 | Closed with explanation | Yes | No | 2,236,334 | null |
07/13/2016 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Having problems with customer service | I received a letter from Northland Group Inc., dated XXXX XXXX, 2016, demanding payment on a loan assigned to them by XXXX for collection of {$23000.00}. However, the same loan was previously assigned to XXXX XXXX XXXX, which agreed to cease and desist on this account, via attached letter dated XXXX XXXX, 2016, since a... | null | NORTHLAND GROUP INC | SC | 296XX | null | Consent provided | Web | 07/14/2016 | Closed with non-monetary relief | Yes | No | 2,008,447 | null |
07/18/2015 | Mortgage | Conventional fixed mortgage | Application, originator, mortgage broker | null | XXXXI applied for a refinance mortgage with Quicken Loans XX/XX/2015.I was told that there could be a charge of {$500.00} dollars when the loan was approved at a later date. I faxed them the information they requested on three different times, each time XXXX plus pages. Each time I would receive a call it would be from... | null | QUICKEN LOANS, INC. | FL | 337XX | Older American | Consent provided | Web | 07/18/2015 | Closed with explanation | Yes | No | 1,474,449 | null |
06/27/2017 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | A company called Capio Partners is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$370.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is : " XXXX ''. I only ... | null | Capio Partners, LLC | FL | 328XX | null | Consent provided | Web | 06/27/2017 | Closed with non-monetary relief | Yes | null | 2,560,382 | null |
07/23/2017 | Payday loan, title loan, or personal loan | Installment loan | Charged fees or interest you didn't expect | null | Dear CFPB, When I initially took this loan out it was not transparent that 6 installments of XXXX {$150.00} would be due. This interest rate would be equivalent to 780 % which is also considered loan sharking. The payment schedule was not made visible until after the loan was electronically signed. I have contacted the... | null | Big Picture Loans, LLC | ME | 043XX | Servicemember | Consent provided | Web | 07/23/2017 | Closed with explanation | Yes | null | 2,583,693 | null |
03/19/2016 | Credit reporting | null | Credit reporting company's investigation | No notice of investigation status/result | Background : I receive a weekly credit report from XXXX. In order to verify the information, I went to Equifax and ordered the three-bureau report. The XXXX score reported on Equifax 's report seemed low to me, so I went to XXXX directly. Their score was significantly higher than the one reported by Equifax. I called E... | null | EQUIFAX, INC. | NY | 112XX | null | Consent provided | Web | 03/19/2016 | Closed with explanation | Yes | No | 1,840,566 | null |
09-01-2016 | Credit reporting | null | Improper use of my credit report | Report improperly shared by CRC | On XXXX/XXXX/16 there was a hard inquiry done on my credit report from XXXX. I called Equifax for help with this and the person told me that I would have to call XXXX she told me it was XXXX XXXX North Dakota and that they were the only one that could remove it. She also told me that because I do n't have some sort of ... | null | EQUIFAX, INC. | GA | 301XX | Older American | Consent provided | Web | 09-01-2016 | Closed with explanation | Yes | No | 2,092,964 | null |
06-01-2017 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | Had difficulty paying a Capital One credit card for a few months. Called Capital One on XX/XX/XXXX to explain we ( a mother and daughter called, it 's the mother 's card ) were having problems paying and to request a debt management program with them. They gave us the phone number of a company they said they work with ... | null | CAPITAL ONE FINANCIAL CORPORATION | NY | 112XX | Older American | Consent provided | Web | 06-01-2017 | Closed with explanation | Yes | null | 2,499,269 | null |
09-04-2016 | Credit card | null | Credit card protection / Debt protection | null | I have been a Best Buy Credit Card holder since XX/XX/2012. I am trying to pay off a balance but I have noticed that it does n't seem to be changing, so I decided to go online and review my account statements. I normally just go online and pay my bills since I have a general idea of what I owe. When I took a closer loo... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | PA | 191XX | null | Consent provided | Web | 09-04-2016 | Closed with monetary relief | Yes | Yes | 2,095,731 | null |
12/22/2017 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | my credit card with bank of America was stolen in XXXX XXXX my card ending XXXX there was XXXX charges on my account that i did not make the rep with bank of America did n't file my claim correctly on the card being stolen and my claim was closed because there was nothing put in my claim that my card was stolen for the... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | OH | 432XX | null | Consent provided | Web | 12/22/2017 | Closed with monetary relief | Yes | null | 2,762,332 | null |
03/31/2018 | Mortgage | VA mortgage | Trouble during payment process | null | Had another XXXX XXXX and had to have a procedure for {$5000.00} was released from the hospital late on the XX/XX/2018 came home tried to make a payment over the internet and it did not allow me to do so. Tried to call the same evening and it would not allow me to make the payment over the phone either. I called on XX/... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | RoundPoint Mortgage Servicing Corporation | TN | 381XX | Servicemember | Consent provided | Web | 03/31/2018 | Closed with explanation | Yes | null | 2,860,642 | null |
05/13/2015 | Mortgage | Conventional fixed mortgage | Loan servicing, payments, escrow account | null | I have made XXXX on time payments to my mortgage provider. XXXX time they claimed they never received the check and the other time they received it ( bank confirmed cashed ) and they claimed it had insufficient funds which it had ample funds to cover the check | null | RUSHMORE LOAN MANAGEMENT SERVICES LLC | MA | 019XX | null | Consent provided | Web | 05/13/2015 | Closed with explanation | Yes | No | 1,373,062 | null |
01/26/2016 | Bank account or service | Checking account | Problems caused by my funds being low | null | I disagree that I am being forced to Bank on east coast time, time and time again I do not believe I should have to place deposits in by XXXX, if that 's the case then the atm 's should not work after that. I am being charged again for fees. I have a deposit slip showing the money was put in the account & would cover w... | Company chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 923XX | null | Consent provided | Web | 01/26/2016 | Closed with monetary relief | Yes | No | 1,759,171 | null |
03/26/2015 | Debt collection | Credit card | Cont'd attempts collect debt not owed | Debt was paid | HSBC refuses to communicate with XXXX XXXX XXXX concerning my closed account. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX. | null | HSBC NORTH AMERICA HOLDINGS INC. | OH | 452XX | null | Consent provided | Web | 03/26/2015 | Closed with explanation | Yes | Yes | 1,301,734 | null |
01/25/2017 | Credit reporting | null | Incorrect information on credit report | Account terms | I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you a... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 077XX | null | Consent provided | Web | 01/25/2017 | Closed with explanation | Yes | No | 2,309,547 | null |
12-06-2016 | Bank account or service | Other bank product/service | Account opening, closing, or management | null | I purchased a bedroom set from XXXX which I finaced that same day XXXX also bought and paid for with my debit card in the amount of {$110.00} a second box spring from XXXX. I received my furniture however the boxspring was damaged so the took the one they were going to deliver and brought the other XXXX later. I paid X... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | AZ | 857XX | null | Consent provided | Web | 12-06-2016 | Closed with explanation | Yes | No | 2,235,119 | null |
02/24/2016 | Credit reporting | null | Incorrect information on credit report | Personal information | Trans Union reports my employer as XXXX XXXX. I have never even HEARD of this company. | Company chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 115XX | Older American | Consent provided | Web | 02/24/2016 | Closed with non-monetary relief | Yes | No | 1,802,684 | null |
12/28/2017 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XX/XX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my XXXX income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XX/XX/XXXX. OnXX/XX/XXXX ... | null | EQUIFAX, INC. | TX | 782XX | null | Consent provided | Web | 12/28/2017 | Closed with non-monetary relief | Yes | null | 2,765,623 | null |
09-08-2017 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | On XXXX XXXX, Equifax, XXXX notified the public of a massive data breach, in which they have informed me that my personal data may have been compromised. As XXXX XXXX XXXX have a duty to maintain the privacy and security of the data they hold, they have failed in this duty. I have placed holds on all of my credit repor... | null | EQUIFAX, INC. | CO | 809XX | null | Consent provided | Web | 09-08-2017 | Closed with explanation | Yes | null | 2,662,692 | null |
09-09-2017 | Mortgage | Conventional home mortgage | Trouble during payment process | null | during the processing of our mortgage, Primelending mortgage service has not fulfilled their commitment for the locked rate. It caused us higher interest rate plus extra charge for the point. Their reason was we delayed the appraisal, which we have communicated with them it would have to be hold-back for a week. In tu... | Company disputes the facts presented in the complaint | PRIMELENDING, A PLAINSCAPITAL COMPANY | CA | 945XX | null | Consent provided | Web | 09-09-2017 | Closed with explanation | Yes | null | 2,660,603 | null |
10/23/2015 | Prepaid card | ID prepaid card | Fraud or scam | null | Have n't received any direct deposits in 4 weeks | null | Empowerment Ventures, LLC | IL | 606XX | null | Consent provided | Web | 11/13/2015 | Closed with non-monetary relief | Yes | No | 1,622,701 | null |
06-06-2017 | Vehicle loan or lease | Loan | Struggling to pay your loan | Loan balance remaining after the vehicle is repossessed and sold | I explained to XXXX last week when she called that I had to medically retire from work and could not afford to pay {$250.00} before XX/XX/XXXX. I received a letter stating they would refer for legal action if it was not paid by then. Just like when they disabled my vehicle and I tried to call I ca n't get through to an... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CREDIT ACCEPTANCE CORPORATION | NJ | 086XX | null | Consent provided | Web | 06-06-2017 | Closed with explanation | Yes | null | 2,545,584 | null |
04-10-2015 | Debt collection | Other (i.e. phone, health club, etc.) | Taking/threatening an illegal action | Sued w/o proper notification of suit | XXXX XXXX called my cell phone number ( no authorization was give from them to contact me via my cell phone ) -- they claim there is a pending law suit against me for Fifth Third bank -- -the mini Miranda was not given correctly -- they stated " This is an attempt to collect a debt and any information obtained can be u... | null | FIFTH THIRD FINANCIAL CORPORATION | OH | 441XX | null | Consent provided | Web | 04-10-2015 | Closed with explanation | Yes | No | 1,325,066 | null |
11-03-2015 | Bank account or service | Checking account | Account opening, closing, or management | null | Scottrade Bank Manager XXXX XXXX XXXX instructed me to provide me personal information in a manner that is insecure ( via unencrypted email ). Roughly 10 days after providing the information as XXXX XXXX 's request, my account was hacked. Scottrade refused to make my account whole and said I was responsible for the hac... | null | SCOTTRADE BANK | CA | 959XX | null | Consent provided | Web | 11-03-2015 | Closed | Yes | Yes | 1,636,956 | null |
10-03-2015 | Payday loan | null | Charged bank acct wrong day or amt | null | Advance America charged my bank account that was already closed after the date the loan was due.
I was expecting this check that I had written them to post the day the loan matured. I then received multiple fees and it caused another payment to return because of those fees ( {$35.00} each and they presented it twice p... | Company believes it acted appropriately as authorized by contract or law | Advance America, Cash Advance Centers, Inc. | RI | 028XX | Servicemember | Consent provided | Web | 10-03-2015 | Closed with explanation | Yes | No | 1,591,640 | null |
09/26/2017 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that XXXX had experienced a data breach and information was compromised. On XX/XX/XXXX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 294XX | null | Consent provided | Web | 09/26/2017 | Closed with non-monetary relief | Yes | null | 2,684,555 | null |
07/24/2017 | Student loan | Private student loan | Getting a loan | Fraudulent loan | Navient have had XXXX collection agency call me on a fraudulent student privet loan from XXXX college in XXXX XXXX that I did not Authorize in XX/XX/XXXX . These loan w as signed by XXXX college consolers while I was hospitalized. XXXX college was later closed down by the federal and state government for ... | null | Navient Solutions, LLC. | CA | 900XX | null | Consent provided | Web | 07/24/2017 | Closed with explanation | Yes | null | 2,583,223 | null |
06/30/2015 | Mortgage | FHA mortgage | Loan servicing, payments, escrow account | null | My mortgage was sold by XXXX XXXX XXXX to Nationstar Mortgage. I looked up Nationstar online and read all of the horror stories about how inept of a company Nationstar is. So I refinanced my mortgage with XXXX XXXX and the process went smoothly. XXXX paid my loan off on XXXX XXXX. I was told many conflicting stories ab... | null | NATIONSTAR MORTGAGE | NJ | 080XX | null | Consent provided | Web | 06/30/2015 | Closed with explanation | Yes | No | 1,444,273 | null |
04-06-2015 | Consumer Loan | Vehicle lease | Managing the loan or lease | null | In XXXX XXXX, I leased a brand new XXXX XXXX XXXX for 24 months from XXXX XXXX XXXX in XXXX, RI. My payments were automatically debited from my account each month on the XXXX. I never missed a payment. In XXXX XXXX, I bought a XXXX XXXX. XXXX XXXX in XXXX, RI figured my mileage overage and the rest of my lease payments... | null | TOYOTA MOTOR CREDIT CORPORATION | RI | 028XX | null | Consent provided | Web | 04-06-2015 | Closed with explanation | Yes | Yes | 1,317,655 | null |
09-10-2017 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Did not have sufficient security to stop a breach of biblical proportions. It 's embarrassing. 134 million users information leaked | null | EQUIFAX, INC. | TX | 775XX | null | Consent provided | Web | 09-10-2017 | Closed with explanation | Yes | null | 2,663,168 | null |
11-04-2015 | Credit card | null | Credit determination | null | i like fia and do not want to do this. FIA card services i asked for credit line increrase on card ending XXXX was declined for reasons not accurate. i have not asked before now. and i do pay. i was granted XXXX on another card recently. with it this way i will not use it much. these reasons are inaccurate. i ask for s... | Company chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | NJ | 085XX | null | Consent provided | Web | 11-04-2015 | Closed with explanation | Yes | No | 1,642,741 | null |
12/19/2017 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | currently on my personal credit report i have a charge from XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , Illinois , XXXX. This company which specializes in debt collections is alleging that i owe XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$240.00} from XX/XX/2017, i have NO contracts w... | null | International Computer Systems, Inc. | CA | 921XX | null | Consent provided | Web | 01/24/2018 | Closed with explanation | Yes | null | 2,759,454 | null |
09/30/2016 | Debt collection | Other (i.e. phone, health club, etc.) | False statements or representation | Attempted to collect wrong amount | In XXXX on XXXX XXXX, we were evicted from our home. My Partner died on XXXX, XXXX, we all lived together. On my credit report they are charging me twice as much and Magistrate Court said we owe them less. I only want to pay my percentage, I 'm having a lot of difficulty renting and /or buying a home. Please help me. | Company disputes the facts presented in the complaint | National Credit Systems,Inc. | GA | 300XX | null | Consent provided | Web | 09/30/2016 | Closed with explanation | Yes | No | 2,139,347 | null |
09/22/2016 | Debt collection | Medical | Disclosure verification of debt | Right to dispute notice not received | This debt was purchased by a debt collector after it was written off by the hospital. The hospital was paid through my insurance retroactively. I do not owe this to the hospitsl, this debt should never have been sold. | Company believes it acted appropriately as authorized by contract or law | Collection Management Company | PA | 168XX | null | Consent provided | Web | 11/16/2016 | Closed with explanation | Yes | No | 2,127,569 | null |
07-11-2017 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have contacted Transunion about this several times to no avail. I have a public record reflecting on my report ( XXXX ) that was removed and then placed back on my report. I did not receive any kind of notification that it would be placed back on my report. Furthermore, it is inaccurate. This tax lien is not mine. I ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 300XX | Servicemember | Consent provided | Web | 07-11-2017 | Closed with non-monetary relief | Yes | null | 2,570,631 | null |
04-11-2017 | Payday loan | null | Charged bank acct wrong day or amt | null | Bank charged me an overdraft fee and they charged me over and over again before our agreed upon date. | null | CURO Intermediate Holdings | MO | 630XX | Servicemember | Consent provided | Web | 04-11-2017 | Closed with explanation | Yes | No | 2,430,073 | null |
10/21/2016 | Credit card | null | Identity theft / Fraud / Embezzlement | null | I submitted a dispute to American Express in the amount of {$5000.00} for a charge that was not authorized. The first response back to me from American Express ruled in favor of the merchant ststing that they provided proof that I made this transaction This merchant had submitted handwritten falsified information to AM... | null | AMERICAN EXPRESS COMPANY | FL | 331XX | null | Consent provided | Web | 10/21/2016 | Closed with explanation | Yes | No | 2,171,369 | null |
08/15/2016 | Debt collection | Medical | Communication tactics | Threatened to take legal action | I am extremely disappointed with XXXX XXXX XXXX. Over 6 years ago I had work done at with XXXX XXXX of XXXX XXXX XXXX. They always told me they would work with my insurance company on payments. After 8 months they sent me the first invoice, a past due bill and threatened to send me to collections. I worked hard to sett... | Company believes it acted appropriately as authorized by contract or law | California Accounts Service | CA | 949XX | null | Consent provided | Web | 09/16/2016 | Closed with explanation | Yes | Yes | 2,063,519 | null |
11/13/2016 | Credit reporting | null | Unable to get credit report/credit score | Problem getting report or credit score | Despite YEARS of stellar credit reports and scores, at or about XXXX for each reporting agency, I was a couple of weeks late paying XXXX credit card bill and my score dropped over XXXX points! Really, over XXXX points by each agency. This is unbelievable. I have not been late paying any bill in many many years. I was i... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 223XX | null | Consent provided | Web | 11/13/2016 | Closed with explanation | Yes | No | 2,206,080 | null |
02/21/2018 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Identity theft fruadulent account under my name i did not apply or open this account XXXX XXXX XXXX XXXX XXXX Open XX/XX/15 Amount XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 191XX | null | Consent provided | Web | 02/21/2018 | Closed with explanation | Yes | null | 2,819,454 | null |
04/17/2016 | Student loan | Federal student loan servicing | Dealing with my lender or servicer | Having problems with customer service | I did not receive a notification from my student loan servicer ( NAVIENT ) re : needing to renew my XXXX status. After I discovered it had lapsed two months later ( Navient sent me a notice that they had capitalized the interest, but it took XXXX inquiries and over a month for them to respond to me as to what had happe... | null | Navient Solutions, LLC. | MA | 015XX | Servicemember | Consent provided | Web | 04/17/2016 | Closed with explanation | Yes | No | 1,883,446 | null |
09-08-2017 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Equifax had a data breach on XX/XX/XXXX, which contained my personal, sensitive data potentially including my social security number, bank accounts, credit cards, etc. However, Equifax did not announce the data breach until XX/XX/XXXX.
After providing the necessary information in their website www.equifaxsecurity2017... | null | EQUIFAX, INC. | NC | 275XX | null | Consent provided | Web | 09-08-2017 | Closed with explanation | Yes | null | 2,665,826 | null |
06-01-2015 | Mortgage | Conventional fixed mortgage | Loan servicing, payments, escrow account | null | I am going through a hardship, I applied for a modification ; I was approved for modification on XXXX/XXXX/2015, payments are {$710.00} more than i was paying.
( total payment is {$3100.00} ). This is not an affordable payment for me, could you please research a longer term loan ( 50 yrs possibly ), AND a principle re... | Company believes it acted appropriately as authorized by contract or law | Ditech Financial LLC | GA | 300XX | null | Consent provided | Web | 06-01-2015 | Closed with explanation | Yes | No | 1,399,964 | null |
05/13/2017 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | I went to a XXXX minute clinic for services in XXXX XXXX . Thinking my XXXX card used that day was sufficient, I later learned that it was n't. I first learned that I owed money not from receiving a bill from XXXX , but collection notices from Transworld Systems Inc. a fter the second notice, and some of my ... | null | TRANSWORLD SYSTEMS INC | CT | 061XX | null | Consent provided | Web | 05/13/2017 | Closed with explanation | Yes | null | 2,483,678 | null |
06-01-2016 | Debt collection | Medical | Improper contact or sharing of info | Talked to a third party about my debt | My account has been passed from one collection agency to another. The lastest one is XXXX XXXX XXXX. They are hard to reach and XXXX gave me a hard time and the run around. He also refused to let me speak to a manager or supervisor. He also blocked my phone number so I could n't call back.
I originally called to nego... | null | Convergent Resources, Inc. | NV | 891XX | Older American, Servicemember | Consent provided | Web | 06-01-2016 | Closed with explanation | Yes | No | 1,949,160 | null |
11/27/2017 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | CitiBank Disputed charge {$330.00} Case ID # : XXXX Booked a non-smoking room for 3 nights ( XX/XX/XXXX - XX/XX/XXXX ) at XXXX XXXX, XXXX, PA thru XXXX. ( XXXX confirmation number : XXXX ) Received a VERY smokey room. Complained to front desk. Was told 'smoking room ' was nearby & smoke travels. They said they were boo... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | FL | 334XX | Older American | Consent provided | Web | 11/28/2017 | Closed with monetary relief | Yes | null | 2,738,971 | null |
07/26/2017 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have a new car that I have been making payments on that was not part of my CHP XXXX financed through Ally Bank. I have been making payments on time since XX/XX/XXXX. I contacted Ally who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the cr... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | CO | 801XX | Servicemember | Consent provided | Web | 07/26/2017 | Closed with explanation | Yes | null | 2,585,747 | null |
06-08-2017 | Debt collection | Auto debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | Contacted by XXXX XXXX from Financial Assistance. As ked her to send me proof of the contract I signed she refused and started yelling how she will sue me and tried to get my address so she can serve. Would not let me get a word in, just kept yelling and making threats. I also told them before not to contact me on... | null | Financial Assistance Inc | WA | 993XX | null | Consent provided | Web | 06-08-2017 | Closed with explanation | Yes | null | 2,545,364 | null |
03/30/2017 | Consumer Loan | Vehicle loan | Taking out the loan or lease | null | Ally Financial is reporting a defaulted auto loan on my credit report. This loan is in someone else 's name. I am not a co-signor on this loan, and my name is not on the finance contract. I have disputed this account through the credit bureaus, but Ally Financial refuses to delete it from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | NC | 275XX | null | Consent provided | Web | 03/30/2017 | Closed with explanation | Yes | No | 2,412,427 | null |
01/29/2018 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Date : XX/XX/XXXX To Whom It May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX I am have having issue when the creditor that attempt to pull my credit my name is XXXX XXXX every time my credit info is pull is coming up as XXXX XXXX I have send information to have this name deleted on my profile This is creating lots... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 334XX | null | Consent provided | Web | 01/29/2018 | Closed with non-monetary relief | Yes | null | 2,796,603 | null |
01/24/2017 | Debt collection | Other (i.e. phone, health club, etc.) | Communication tactics | Threatened to take legal action | I received a voice mail from XXXX, at Prince Parker & Associates, for me to call her back. I called her back and she proceeded right away to tell me that they were attempting to collect a debt from XXXX XXXX XXXX. When I tried to explain to her that I would need to contact XXXX XXXX XXXX back because we do not owe that... | Company disputes the facts presented in the complaint | Prince Parker & Associates | GA | 301XX | null | Consent provided | Web | 01/24/2017 | Closed with explanation | Yes | No | 2,307,516 | null |
02/22/2017 | Mortgage | Conventional fixed mortgage | Loan servicing, payments, escrow account | null | I was contacted by Ditech mortgage company stating I had not paid my property taxes. I contacted them and told them the taxes were already paid. They then told me, I needed to contact the tax office and request they send them back their money. They also told me that they were changing my mortgage payment adding in escr... | Company believes it acted appropriately as authorized by contract or law | Ditech Financial LLC | TN | 379XX | null | Consent provided | Web | 02/22/2017 | Closed with explanation | Yes | Yes | 2,353,625 | null |
02/26/2018 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | XX/XX/XXXX to XX/XX/XXXX Debt collectors were contacting my family members whom I DID NOT list as contacts. They had called a minimum of 3 family members, including my mother informing they were looking for me to collect debt. | null | CAPITAL ONE FINANCIAL CORPORATION | CA | 951XX | null | Consent provided | Web | 02/26/2018 | Closed with non-monetary relief | Yes | null | 2,826,601 | null |
11/20/2017 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Good morning, I applied for a mortgage with XXXX XXXX. When they pulled my credit report, there is many credit card company mentionned many times. I would like to ask you if CFPB could help erase XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX in my credit report because they block me to get a loan. I used to pay XXX... | null | EQUIFAX, INC. | NY | 112XX | null | Consent provided | Web | 11/20/2017 | Closed with non-monetary relief | Yes | null | 2,734,374 | null |
02/19/2018 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with rewards from credit card | I signed up for the American Express Gold Delta SkyMiles credit card on XX/XX/2018. The credit card offered XXXX bonus miles after spending {$2000.00} plus XXXX bonus miles after spending another {$1000.00}, plus a {$50.00} statement credit after my first purchase with XXXX.
American Express reps now tell me that bec... | null | AMERICAN EXPRESS COMPANY | WA | 983XX | null | Consent provided | Web | 02/19/2018 | Closed with explanation | Yes | null | 2,819,047 | null |
10/15/2015 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | XX/XX/XXXX my credit score was XXXX from XXXX XXXX from XXXX and XXXX from XXXX. On XX/XX/XXXX I received a denial letter for a credit card from Bank XXXX due to a collectionon my name sent to Focus Receivables Management by XXXX on XX/XX/XXXX for an amount of $XXXX owned since XX/XX/XXXX
I never had an account with XX... | Company believes it acted appropriately as authorized by contract or law | Focus Holding Company | FL | 334XX | null | Consent provided | Web | 10/15/2015 | Closed with explanation | Yes | No | 1,609,292 | null |
10/23/2015 | Bank account or service | Checking account | Deposits and withdrawals | null | My complaint is against Rushcard, my funds were held up for 6 days because of there system updates. When I did n't get my deposit on XXXX as I normally would get 2 days earlier than my pay day XXXX, I started placing calls to them, then was told would get funds on the original pay day due to system upgrade which would ... | null | Empowerment Ventures, LLC | TX | 752XX | null | Consent provided | Web | 11/13/2015 | Closed with monetary relief | Yes | No | 1,621,425 | null |
02/24/2018 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit r... | null | EQUIFAX, INC. | FL | 329XX | null | Consent provided | Web | 02/24/2018 | Closed with non-monetary relief | Yes | null | 2,824,301 | null |
01/20/2017 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Trouble with how payments are handled | I have been paying my XXXX/Navient student loans since 2007. At one point, I was in forbearance ( for approximately a year. ) I have recently seen reports of the failings of Navient, I 'd like to inquire about my situation in this matter.
Thank you | null | Navient Solutions, LLC. | CA | 916XX | null | Consent provided | Web | 01/20/2017 | Closed with explanation | Yes | No | 2,300,859 | null |
03-07-2018 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | I'm disputing a charge with portfolio recovery the previous owner of the dept was jcpenny the account closed XX/XX/XXXX. XXXX XXXX purchased it in XX/XX/XXXX. The debt was not on my credit report because it was closed. XXXX has never tried to contact me. but I went to but once in XX/XX/XXXX by mail saying they were ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | MI | 482XX | null | Consent provided | Web | 03-07-2018 | Closed with explanation | Yes | null | 2,836,230 | null |
12-02-2016 | Mortgage | Conventional fixed mortgage | Loan modification,collection,foreclosure | null | I was approved both by XXXX ( owner of my loan ) and my servicer Ocwen for a loan modification on XX/XX/2016 ( Attached ) trial that went from XX/XX/2016 to XX/XX/2016. I made all of my required trial payments on time. Then in XXXX Ocwen stated they made an error on the first trial and issued me a revised trial dated X... | null | OCWEN LOAN SERVICING LLC | NV | 891XX | null | Consent provided | Web | 12-02-2016 | Closed with explanation | Yes | No | 2,232,942 | null |
07-09-2015 | Credit reporting | null | Incorrect information on credit report | Information is not mine | I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report. | null | EQUIFAX, INC. | GA | 305XX | null | Consent provided | Web | 07-09-2015 | Closed with explanation | Yes | No | 1,460,301 | null |
01-02-2017 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt resulted from identity theft | Pulled my credit report and a fraudulent account was listed on my report that I did not open nor authorize State Collection Service XXXX | null | State Collection Service, Inc. | MD | 211XX | null | Consent provided | Web | 01-02-2017 | Closed with explanation | Yes | No | 2,271,097 | null |
01/17/2018 | Vehicle loan or lease | Loan | Problems at the end of the loan or lease | Problem with paying off the loan | I cosigned on an auto loan. My son is not able to pay the loan. I decided to pay the loan off in full. When inquiring about the pay off amount and asking to have the Title to be sent to my address, I found out that Wells Fargo had never received the Title. I was not listed on the title and Wells Fargo is not listed on ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | WA | 982XX | null | Consent provided | Web | 01/17/2018 | Closed with explanation | Yes | null | 2,784,887 | null |
10-07-2016 | Credit reporting | null | Credit reporting company's investigation | Inadequate help over the phone | I have sent letters to all XXXX credit reporting company regarding a bankruptcy that is listing on my report. all XXXX as saying that they have verified this but after contracting the bankruptcy court the stated that they do not report, nor with they verify any inquiries regarding bankruptcy due to privacy. since this ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | WA | 982XX | null | Consent provided | Web | 10-07-2016 | Closed with explanation | Yes | Yes | 2,150,847 | null |
01-02-2016 | Credit reporting | null | Credit reporting company's investigation | No notice of investigation status/result | I submitted a dispute with XXXX XXXX and Experian who removed the tax lien since it was not mine. I filed dispute w Experian but they did not remove the item. They did not even do a thorough investigation since I literally received a response in 24 hours that the item was confirmed. I resubmitted the dispute and receiv... | Company chooses not to provide a public response | Experian Information Solutions Inc. | TX | 773XX | null | Consent provided | Web | 01-02-2016 | Closed with non-monetary relief | Yes | Yes | 1,724,870 | null |
10/26/2017 | Debt collection | Credit card debt | Written notification about debt | Didn't receive notice of right to dispute | I opened an American Express account in XXXX, when I was XXXX XXXX XXXX. I overcharged that account and was unable to pay the amount in full at the end of the month. I explained to the bank that my parent had had XXXX XXXX XXXX and I needed time to pay off the debt. Those requests were ignored and the amount was sent i... | null | AMERICAN EXPRESS COMPANY | CA | 900XX | null | Consent provided | Web | 10/26/2017 | Closed with explanation | Yes | null | 2,713,367 | null |
05/26/2017 | Student loan | Private student loan | Dealing with your lender or servicer | Keep getting calls about your loan | I am the co-signor on my son 's student loan and keep getting harassing phone call s from Navient that are down righ t disrespectful and annoying when you are trying your best to pay. Each day, I get at lea st six calls from Navient. O n XXXX XXXX , XXXX , the phone calls started at XXXX XXXX XXXX CST and ... | null | Navient Solutions, LLC. | TX | 750XX | null | Consent provided | Web | 05/26/2017 | Closed with explanation | Yes | null | 2,494,704 | null |
04/14/2017 | Debt collection | Credit card | Cont'd attempts collect debt not owed | Debt resulted from identity theft | Multiple attempts at disputing both with the collection agency and the credit card company itself. I sent documentation showing that the debt was not mine ( they offered proof ) and with an open dispute it was turned over to collections. The collection agency told me that debt in dispute could n't be turned over so I w... | null | The Bureaus, Inc. | NY | 146XX | null | Consent provided | Web | 04/24/2017 | Closed with explanation | Yes | No | 2,436,433 | null |
03/22/2017 | Mortgage | FHA mortgage | Application, originator, mortgage broker | null | This complaint is in regards to the unethical business practices in which XXXX XXXX NMLS # XXXX with M & T Bank endured on me. I am a XXXX-year-old citizen and was trying to buy my first home with a FHA 3.5 % loan. After listening and trusting in the loan originator mentioned above, I felt I can trust her and the bank ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | M&T BANK CORPORATION | NY | 100XX | Older American | Consent provided | Web | 03/22/2017 | Closed with monetary relief | Yes | No | 2,398,393 | null |
04/22/2018 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | Both XXXX and XXXX have shown two accounts, one a collection from XXXX XXXX XXXX, and another from XXXX XXXX XXXX, which were successfully removed by an investigation in XXXX of this year as having been reported to them. The information these companies have is incorrect, thus the accounts were deleted from the report. ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | 800XX | null | Consent provided | Web | 04/22/2018 | Closed with explanation | Yes | null | 2,883,756 | null |
11/13/2017 | Debt collection | I do not know | Written notification about debt | Didn't receive notice of right to dispute | I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. They have also placed this on my credit reports. If you look at my past complaints you will see that this is the same account that XXXX XXXX has, which was removed from my reports. The debt was closed and sold and resold several times. The account was closed and s... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Radius Global Solutions LLC | GA | 312XX | Servicemember | Consent provided | Web | 11/13/2017 | Closed with explanation | Yes | null | 2,727,776 | null |
05/14/2015 | Mortgage | Conventional adjustable mortgage (ARM) | Loan servicing, payments, escrow account | null | In XX/XX/XXXX, I opened a mortgage account with Bank of America. At the time, I was advised the best option for me was to obtain an ARM mortgage and have my payments adjust to the market in 5 years. This account was opened in my name and my ex husband 's name. I got divorced in XX/XX/XXXX and the court awarded me the r... | null | BANK OF AMERICA, NATIONAL ASSOCIATION | TX | 750XX | null | Consent provided | Web | 05/14/2015 | Closed with monetary relief | Yes | No | 1,376,337 | null |
04/20/2018 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | Choice Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus. | Company believes it acted appropriately as authorized by contract or law | Choice Recovery, Inc. | FL | 321XX | null | Consent provided | Web | 04/20/2018 | Closed with explanation | Yes | null | 2,881,799 | null |
12/14/2017 | Debt collection | Other debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | I was contacted by XXXX XXXX XXXX group on XXXX XXXX, XXXX. A voicemail was left stating that i needed to contact them about a complaint that was filed in their office and if i did n't respond they would take further legal action. I called the number that was left in the voice-mail. I was told that i had a judgement ag... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | VA | 234XX | Servicemember | Consent provided | Web | 12/14/2017 | Closed with explanation | Yes | null | 2,754,354 | null |
02/22/2017 | Credit reporting | null | Incorrect information on credit report | Account status | One Main Financial is reporting with XXXX that I was 30 days past due. The same month they reported to XXXX that I was paying as agreed. I was not paying this account and did not pay this account late in the month that they said. I have statements showing that there was no past due amount. Also, they kept saying that I... | null | ONEMAIN FINANCIAL HOLDINGS, LLC. | SC | 296XX | null | Consent provided | Web | 02/27/2017 | Closed with explanation | Yes | No | 2,353,895 | null |
02/14/2018 | Money transfer, virtual currency, or money service | Domestic (US) money transfer | Money was not available when promised | null | PayPal, XXXX, XXXX XX/XX/XXXX : I sold a handbag on XXXX for a total of {$410.00}.
XX/XX/XXXX : PayPal received {$410.00} that Icouldnt actually access. I refunded the buyer {$31.00} because she didnt want to pay sales tax and then I refunded the remainder of the money and sell the bag to someone else. I had already p... | null | PAYPAL HOLDINGS INC. | TX | 779XX | null | Consent provided | Web | 02/14/2018 | Closed with non-monetary relief | Yes | null | 2,814,736 | null |
01/16/2018 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | cra violation sent po report from hpd inaccurate information on credit report no knowledge of accounts | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 774XX | null | Consent provided | Web | 01/16/2018 | Closed with explanation | Yes | null | 2,782,868 | null |
04-03-2017 | Money transfers | Domestic (US) money transfer | Other transaction issues | null | On XX/XX/XXXX I thought I had transferred {$1900.00} into my checking account from my XXXX Visa Debit card. I received a confirmation email that the transaction was completed but the account information only showed the last XXXX digits of my bank account number which were correct. I called BofA the following day to tel... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 900XX | null | Consent provided | Web | 04-03-2017 | Closed with monetary relief | Yes | No | 2,415,857 | null |
12/21/2016 | Bank account or service | Checking account | Account opening, closing, or management | null | WF online offers nicknames and I tried it but it makes conflict with XXXX. So I tried to delete it and I ca n't, so my XXXX ca n't work correctly. | null | WELLS FARGO & COMPANY | AZ | 850XX | null | Consent provided | Web | 12/21/2016 | Closed with explanation | No | No | 2,257,658 | null |
11/13/2015 | Credit card | null | Other | null | The company made a misleading offer about opening a credit card account as registered in complaint ID # XXXX provided the following dispute/resolution : Citi ( R ) / XXXX ( R ) Account ending in XXXX XXXX XXXX : Thank you for speaking with me about your inquiry that was submitted to the Consumer Financial Protection Bu... | Company chooses not to provide a public response | CITIBANK, N.A. | AZ | 852XX | null | Consent provided | Web | 11/13/2015 | Closed with non-monetary relief | Yes | Yes | 1,654,954 | null |
03-09-2017 | Debt collection | I do not know | Improper contact or sharing of info | Contacted me after I asked not to | This company calls me several times a week. I tell them that the person they are looking for is my ex husband and that we have been divorced since 2011. They say they will remove me from their list, but then just call me from a different number. It is Northstar Location Services. Today they called me at my BUSINESS num... | null | Northstar Location Services, LLC | PA | 157XX | null | Consent provided | Web | 03-09-2017 | Closed with explanation | Yes | Yes | 2,380,531 | null |
10/19/2015 | Credit card | null | Arbitration | null | Capital One has intimidated and harasses me and are trying to extort over $ XXXXCapital One was informed I was in bankruptcy and they would be paid via bankruptcy, days before the hearing date they went to local court the get a lien on my home knowing the lien search world not find the lien on the bankruptcy hearing da... | null | CAPITAL ONE FINANCIAL CORPORATION | VA | 224XX | Servicemember | Consent provided | Web | 10/19/2015 | Closed with explanation | Yes | No | 1,612,670 | null |
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This Dataset is from Kaggle. It originally comes from the US Consumer Finance Complaints. This is great dataset for NLP multi-class classification.
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