vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I received a notification from XXXX XXXX about 2 hard inquiries from the same company within the last two days ( today 's date XX/XX/19 ) on XX/XX/19 and XX/XX/19. I spoke to XXXX  about the inquiry and was told to talk to the Lender that pulled the inquiry, they gave me the number for Synchrony Bank to ask them to provide XXXX with the removal of inquiry. 

Synchrony Bank claims that they did not do an inquiry, with the last inquiry being when I opened an account through their Banana Republic credit card application. I informed them that they appeared on my report, but they denied having done any inquiries for me and to reach out to XXXX again. 

I called XXXX again, and was told that the only way to remove the inquiry was to go to Synchrony Bank, therefore going back in a complete circle. No one is taking responsibility with something that is my sensitive information. On the report the wrong address was provided for the inquiry.

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 2019-08-09 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: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
XXXX of 2018 I was in XXXX XXXX went to a time share presentation. Gave my information with the understanding it was to be used to pull a credit report and tell me interest rates I qualify for ... gave them my debit card to sign up and try a couple night stay. Decided against a member ship was told my debit card would be reimbursed because it was within the termination period ... never received the reimbursement on my debit card, and found that they used my credit info to open a credit card weeks later when I received a credit card in the mail I called and explained I didn't want a credit card when I gave that information to XXXX. They tried to tell me I could utilize the card anywhere but I explained I had no need/want for additional credit cards. As I had about 8/9k in my checking a XXXX credit card and a XXXX line of credit at my bank and credit card for my major purchases at XXXX 's that I only use for interest free financing. It's been over a year and I have not been able to do anything about this my credit score was XXXX and this has dropped my score to the 690 's and this account has caused delays and difficulties in financings other projects ... I'm not sure what I can do ... but I don't think it is right that a company can get away with this and just expect you to pay for charges that should never been on the card in the first place, or even opened for that matter. It's only $ 790ish ( {$500.00} originally ) but on the principle of the matter I'm not going to pay them as I'm sure they do this because most of the time it works. I paid off my car that cost XXXX in about a year, as well as just paid off my other car that was XXXX I purchased in 2018, pay my entire balance on my XXXX cc every month if I use it. As well as pay all my other accounts off before the free interest expires ... if I had knowingly opened this account and made changes to it I would have paid it ... but in this case I'm lost as what further to do ...

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 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My mortgage was sold/transferred to PHH Mortgage from Ocwen. I had just been approved for a repayment plan from Ocwen on XX/XX/XXXX and made a {$1200.00} down payment to begin the plan. I made my first payment of, {$1300.00} in XX/XX/XXXX and then my loan was transferred to PHH Mortgage. My loan was sold and without my knowledge my approved payment plan from my previous mortgage company Ocwen was cancelled. When I attempted to make payments online with PHH, it never showed any payments I made this year ( XXXX ) totaling over {$2500.00} to my previous mortgage company. The PHH online system also never listed my approved repayment plan that began XX/XX/XXXX, with a monthly payment of {$1300.00}. This payment plan wasnt scheduled to be completed until XX/XX/XXXX. On XX/XX/XXXX, I applied for mortgage assistance with my current mortgage company PHH, I received a letter from PHH stating my application was not complete and I had until XX/XX/XXXX to submit the missing documents needed to complete my application. I found out today online via XXXX that my house is scheduled for foreclosure auction on XX/XX/XXXX. I have not received anything from the lender PHH or their attorney regarding a foreclosure sale. This was done while a request for mortgage assistance application was open. I looked today online at the activity on my account with PHH and found out my mortgage assistance application was closed by PHH employee XXXX XXXX on XX/XX/XXXX. I never asked for my mortgage assistance application to be closed especially since I had until XX/XX/XXXX to complete it. I never received a denial for mortgage assistance from PHH. What PHH Mortgage is doing to me is Not legal and Im requesting the foreclosure sale being stopped and/or cancelled immediately. I have attached documents as proof to support everything that I have listed on my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My XXXX reward card with Barclays is being unfair with my credit report I have communicate with them on so many different levels but nothing was done

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 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX, On my previous complaint, I asked Experian to delete the bankruptcy that is being reported on my credit report because it is being reported in accurate. According to Experian, the data furnisher for this bankruptcy or public record is the US BANKRUPTCY COURT, and they are also telling me that the court verified this bankruptcy or public record when I disputed it with them. I called the court where this bankruptcy was filed and the court clerk told me that the court does not verify anything with the credit bureaus, the court also sent me a letter saying that they do not verify bankruptcy information with the credit reporting agencies. I was told that the court has no idea of how it is that the credit bureaus verify this information, I have told Experian that the FCRA says that every single piece of information on my credit report needs to be 100 % correct or accurate, when I called Experian I was given false information by one of their costumer reps. Now Experian is asking me to provide them with documents that I have sent to them many times, they want my addresses for the last two years, which I have lived at XXXX XXXX XXXX XXXX, MA XXXX for the past three and a half years, my social security number and some other things that they all ready have, I know for a fact that Experian doesnt want to delete this bankruptcy, I just dont understand why they would want to break the law by going over what the FCRA says that credit reporting agencies must do. I sent this letter from the court to Experian by mail and they ignored it, I then provided the letter from the court to them with my first complaint and they ignored it again. Experian isnt giving me no option but to seek legal action in small claims court against them for reporting false information on my credit report and defamation. I will be calling the attorney generals office tomorrow to see what other options I have, a complaint will also be going to be filed with the 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 2019-08-09 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: Self Lender Inc
State: TX

Complaint narrative:
I had an account with SelfLender back in XXXX. According to MyFico score reports, XXXX & XXXX showed a 30 day late status for XX/XX/2017, while XXXX showed a 30 day late status for XXXX. See attached. I disputed the account history in order to have the report corrected, and at that time, XXXX XXXX XXXX appears to have added another 30-day late status to each of my reports. 

I only paid this account late one time. In fact, every single other payment aside from that one were made early. If that's not the case, I'd like XXXX XXXX XXXX  to furnish documentation to prove otherwise. 

Clearly this is not accurate, and I'm quite sure they're retaliating against me for the less than favorable reviews I left them on XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In or about XX/XX/XXXX I got a home equity line of credit for {$120000.00} Account number ending in XXXX. 

The account was an open line of credit and transitioned into a term loan ending in account # XXXX In XXXX filed for Bankruptcy. 

Included in the Bankruptcy from XXXX was CitiBank account ending in XXXX XXXX XXXX XXXX & CitiBank has made several attempts after bankruptcy to collect via phone calls, voicemails, recorded phone calls, and via USPS mail in XXXX and XXXX. A lien is also on the title of my home and is in and of itself pressure and an attempt to collect on this discharged debt. This is harassment. do not call me as I am represented.

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 2019-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
I was looking for a female physician and got an appointment with Dr. XXXX XXXX at XXXX XXXX on XXXX XXXX, 2019. While making the appointment on phone I had asked for her rates. I was informed that the very first, initial visit will be {$260.00}. It will be just a meet-and-greet type event, but NO treatment. Doctor and I will talk and discuss my health, build a relationship/rapport, and then, based on our discussion, the doctor will suggest future treatments and office visits. However, after my visit, they billed me {$390.00} instead of {$260.00}. I spoke with their billing department ( XXXX ) a few times, but no help. They would tell me that the doctor 's office has billed this and they can't do anything. ( The billing department is in a different state, making it inaccessible to patients. Almost impossible to meet a human in person to resolve the matter. Looks like they intentionally wear out a patient into financial " submission. '' ) I also visited the doctor 's office a couple of times, the billing manager there informed me that my " initial meeting '' went over their allotted 15-20 minutes and that's why they billed me {$390.00} instead of {$260.00}. NOBODY ever told me that the " initial visit '' had a time limit. In any event, the doctor herself talked a lot about her immigrant life and her health, without informing me that her talk would extend the time period and I would have to pay for it. Furthermore, it is reasonable for a patient to think that the " initial visit '' WITHOUT any diagnosis would be charged at the flat rate of {$260.00}, and NOT at an unknown random rate based on time count. If my visit had been over in 5 minutes, would they have charged me less than {$260.00}? Of course, not. I have read online that many patients have faced exaggerated bills from this service provider through its parent company -- XXXX XXXX XXXX in XXXX, NC. I tried to resolve this on my own, but now I have received a notice from a collection agency that they have sent this bill for collection. If they had charged me the agreed amount of {$260.00}, then {$300.00} paid by my insurance would result in a credit of {$40.00}. In other words, I would NOT owe anything and would not have to face collection harassment. Their approach to promise something on phone and then bill something else ( while keeping the patient in dark or uninformed ) is a classic example of luring a patient ( kind of entrapment ) by offering a low rate on phone ( without any detail or warnings ) and then giving a sticker shock later. Very shrewd way of fleecing a patient. This is clearly a deceptive and unfair trade practice. Many patients like me would have suffered financially and emotionally by such a cunning way of doing business. Hope CFPB office will look into this nefarious practice. Thanks for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I received a notification from XXXX XXXX about 2 hard inquiries from the same company within the last two days ( today 's date XX/XX/19 ) on XX/XX/19 and XX/XX/19. I spoke to TransUnion about the inquiry and was told to talk to the Lender that pulled the inquiry, they gave me the number for XXXX XXXX to ask them to provide TransUnion with the removal of inquiry. 

XXXX XXXX  claims that they did not do an inquiry, with the last inquiry being when I opened an account through their XXXX XXXX credit card application. I informed them that they appeared on my report, but they denied having done any inquiries for me and to reach out to TransUnion again. 

I called TransUnion again, and was told that the only way to remove the inquiry was to go to XXXX XXXX, therefore going back in a complete circle. No one is taking responsibility with something that is my sensitive information. On the report the wrong address was provided for the inquiry.

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 2019-08-09 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
XX/XX/2019 I was denied credit by Ally Bank due to XXXX , XXXX credit reporting. 
However, I did purchase the vehicle finance by another Bank. XXXX , XXXX is not a legitimate Credit Reporting Company and should be prevented from access to personal financial 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 2019-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have applied to Comenity Bank for the XXXX XXXX XXXX. Each time I apply they run my credit and hit me with a hard inquiry. At such time they claim I have a freeze. I do not have a freeze or any block on my reports. Each letter I have received in the past has a different excuse and when I call they tell me something different that contradicts the letter. On the last application in XXXX they have never sent to me any correspondence for this application. But when I call they claim I have a freeze. Once again I have no freeze. 

I am middle eastern and was born in XXXX and was born XXXX. I have asked them several times do you have a problem with my background? They won't answer. 

Each manager I get transferred to won't help me, they listen to me and them tell me to re-apply ion 30 days. 

This is such harassment and is causing me additional time with the credit reporting agencies to validate my reports with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
In or about XX/XX/XXXX I got a home equity line of credit for {$120000.00} Account number ending in XXXX. 

The account was an open line of credit and transitioned into a term loan ending in account # XXXX In XXXX filed for Bankruptcy. 

Included in the Bankruptcy from XXXX was XXXX account ending in XXXX Credit Control LLC & XXXX has made several attempts after bankruptcy to collect via phone calls, voicemails, recorded phone calls, and via XXXX mail in XXXX and XXXX. A lien is also on the title of my home and is in and of itself pressure and an attempt to collect on this discharged debt. This is harassment. do not call me as I am represented.

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 2019-08-09 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: TX

Complaint narrative:
I had an account with XXXX  back in XXXXXX/XX/XXXX. According to MyFico score reports, XXXX  & Transunion showed a 30 day late status for XX/XX/XXXX, while XXXX  showed a 30 day late status for XX/XX/XXXX. See attached. 

I disputed the account history in order to have the report corrected, and at that time, XXXX XXXX XXXX  appears to have added another 30-day late status to each of my reports. 

I only paid this account late one time. In fact, every single other payment aside from that one were made early. If that's not the case, I'd like XXXX XXXX XXXX  to furnish documentation to prove otherwise. 

Clearly this is not accurate, and I'm quite sure they're retaliating against me for the less than favorable reviews I left them on XXXX, XXXX, and 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 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX, On my previous complaint, I asked XXXX to delete the bankruptcy that is being reported on my credit report because it is being reported in accurate. According to XXXX, the data furnisher for this bankruptcy or public record is the US BANKRUPTCY COURT, and  they are also telling me that the court verified this bankruptcy or public record when I disputed it with them. I called the court where this bankruptcy was filed and the court clerk told me that the court does not verify anything with the credit bureaus, the court also sent me a letter saying that they do not verify bankruptcy information with the credit reporting agencies. I was told that the court has no idea of how it is that the credit bureaus verify this information, I have told XXXX that the FCRA says that every single piece of information on my credit report needs to be 100 % correct or accurate, when I called XXXX  I was given false information by one of their costumer reps. Now XXXX is asking me to provide them with documents that I have sent to them many times, they want my addresses for the last two years, which I have lived at XXXX XXXX XXXX XXXX, MA XXXX for the past three and a half years, my social security number and some other things that they all ready have, I know for a fact that XXXX doesnt want to delete this bankruptcy, I just dont understand why they would want to break the law by going over what the FCRA says that credit reporting agencies must do. I sent this letter from the court to XXXX by mail and they ignored it, I then provided the letter from the court to them with my first complaint and they ignored it again. XXXX isnt giving me no option but to seek legal action in small claims court against them for reporting false information on my credit report and defamation. I will be calling the attorney generals office tomorrow to see what other options I have, a complaint will also be going to be filed with the 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 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
5 year old account balance went from {$1500.00} to over {$2000.00}. Then {$2200.00} to {$2300.00} last week. 
Collecting is inflating the amount owe on a old account.

Company response to consumer: Closed with explanation