vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have checked my credit report and I've seen so many inquiries on my XXXX   and experian so I've called them they told me about rules and policies which want my argument. I've sent letters more than 30 days ago as well as called and they would not support my frustration to why these inquiries were in my credit report when they weren't authorized. I've contacted the company that pulled my credit and they didn't send letters stating that they went against protocol like they said they were going to do either. The law has been broken with my identity presumptively being compromised is so far from illegal that takes needs to be rectified. Thank you!

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 2019-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I've been approved for {$500.00} and never received a loan yet

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am applying for a mortgage with XXXX XXXX XXXX. Despite multiple attempts to pull the credit report, the lender is unable to pull my report. I called Experian multiple time, and Experian claims there is no problem with releasing my credit report. For some reason, Experian will not let certain lenders access my credit report. I have been on the phone over 8 hours being transferred back and forth through Experian, but unable to have this issue resolve. I need help getting Experian to release my credit report to XXXX  XXXX XXXX Mortgage Service through their third party vender 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 non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Incorrect reporting as collection for XXXX credit card with open balance of XXXX ... .this a co uhh by past the 7 year mark for experian report Was closed due to charge off by 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 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Army and Air Force Exchange Service
State: AP

Complaint narrative:
During the months of XXXX through XXXX I contacted ECP ( exchange credit program ) ( Military star card ) about a card opened fraudulently in my name, {$4000.00} limit, opened in XXXX, around the time my wife and I separated, I had no need for this card and already had one, I explained this to the fraud center and they said it would be difficult to ascertain who the owner of the account was. 
I showed proof I had a military star card previously and she made herself an authorized user on the account, but didn't add me as a user. I was told by the company that my soon to be ex-wife had a right to obtain this card, which i agree with, but not in my name, she eventually rang the bill up to ~ {$3800.00}. Since then the bill has been paid to an extent, I haven't paid it, I've closed the account but ECP is stating I am responsible for the remaining ~ {$1700.00}. I feel as if I've shown the company plenty of proof that I was not the one that opened the card and I will not pay the remaining balance. They recently in the last 3 weeks sent me a letter stating I owed the remaining balance and that ECP would pursue legal action if not paid. I would very much like for XXXX XXXX, my soon to be wife to be persecuted for fraud and forced to pay the remaining debt. 
If there are further questions that need to be asked feel free to contact me, XXXX or XXXX. I can collect and submit the documents if asked to. 
I am saddened that although proof has been given to the company, they refuse to believe me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My mortgage loan was transferred to PHH from Ocwen home loans on XX/XX/XXXX. Before the loan was transferred I applied for a modification due to financial difficulties stemming from the wind storm we had back in XX/XX/XXXX. My roof collapsed, and ceilings caved in raining into my home. My XXXX   had over XXXX worth of damage and the insurance declared it a catastrophic incident. we lived in a residence in for 4  months and had to pay for food, new clothing etc because we couldn't enter the home. We applied for a modification while continuing to do what could be done to keep the mortgage up and Ocwen turned it down stating that we had had too many modifications in the past. The question was posed to Ocwen and PHH how many have we had and to please provide us with paperwork as to when it was. we are currently 11 months behind and PHH has stated that a Notice of Intent has been sent but can not provide us with paperwork nor give us a explanation as to when it was sent nor can provide us with any paperwork as to the number of modifications were done. They just say no and that we have to provide 10 months of payments in order to even get on a payment plan. This company is unorganized and unprofessional and we just want to do what right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: GA

Complaint narrative:
I applied to a 30-years conventional mortgage with Provident Funding ( loan # XXXX ) on XX/XX/2019 to acquire a second home in the state of FL. On XX/XX/2019, I locked my interest rate at 3.5 %. I have been with Provident for more than 10 years with the mortgage on my first home. 

On XX/XX/2019 XXXX ; XXXX ET, Provident raised my interest rate, in spite of the lock, to 3.875 % because they decided to convert my loan to investment loan due to 1031 exchange. When I requested escalation, a manger by the name of XXXX called me at XXXX ; XXXX ET and decided to punish me by further raising interest rate to 4.125 % ... when I confronted him that I was just quoted lower he lied by saying that he listened to the previous call ... I requested further escalation and was told NO, I report to the CEO Provident Funding has fraudulently raised my rate twice in an obvious bait and switch scheme ... mangers lies to people ... even to a customer who has been with their company for more than a decade ... please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Ive sent out a Cease and Desist letter to Navient requesting that they discontinue any calls or other forms of communicate with Me or the people that are claimed to be linked to my alleged debt with them. I received the certified receipt back and it says that Navient received and stamped it on XX/XX/2019. Since then, I have been receiving calls from Navient ( Several times on XXXX and the days after ). I have been keeping track. Navient has NOT respected my wishes and have been calling from different numbers, sometimes back to back. I received a call as of yesterday, XX/XX/2019. Last week, I answered the call and someone from Navient told asked for my Mom. My Mom is listed as a Co-signer, but the letter asked that calls be ceased with myself AND EVERYONE ASSOCIATED WITH SAID DEBT. Navient informed me that they didnt have to stop calling because the Ombudsman told them not to. I NEVER received anything in writing stating that and that statement she made is monitored and recorded. At this point, my rights are being abused and I am still being harassed about payments. I have been making payments, but when they call, they are asking for different amounts owed. I will be seeking assistance on how to handle this matter. I told them that my Mom does not have this number and they still call. One rep told me that she will not stop calling. HARASSMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I am asking for help about unauthorized charges in my bank account, my account was frozen around the month reported in the process that I received multiple fraudulent charges, when my account was updated I reviewed all my accounts and saw multiple charges then I proceeded go to a regional bank branch to make a claim about all the fraudulent TRANSACTIONS in my accounts told me to wait 30 days maximum, wait time and call to know about the process they told me they canceled it they did not give me a correct reason so I decided appeal the case and now it is again in investigation please I need you to thoroughly review each fraudulent charges and return the funds to my bank account and I demanded information about the people who could have used my information in every charge I had in my account please demand that come back my money is the second time I am sending this complaint if you need more information do not hesitate to tactarme .. thank you for understanding ..

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 2019-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
In XX/XX/2019 I paid down my mortgage to below 30 % of my original loan and they are STILL charging me PMI. I have called many times, I faxed a request to get it removed and they are still charging me 4 months later. You can not get anyone to give you an answer and the PMI department is only available by direct mail or fax. ( The first letter I sent them was returned because the address was wrong. I sent it to the address they gave me. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Hello, I am asking for help about unauthorized charges in my bank account, my account was frozen around the month reported in the process that I received multiple fraudulent charges, when my account was updated I reviewed all my accounts and saw multiple charges then I proceeded go to a XXXX XXXX   branch to make a claim about all the fraudulent TRANSACTIONS in my accounts told me to wait 30 days maximum, wait time and call to know about the process they told me they canceled it they did not give me a correct reason so I decided appeal the case and now it is again in investigation please I need you to thoroughly review each fraudulent charges and return the funds to my bank account and I demanded information about the people who could have used my information in every charge I had in my account please demand that come back my money is the second time I am sending this complaint if you need more information do not hesitate to tactarme .. please respect the case of these charges I already said everything with respect to what I knew about these unauthorized charges apparently do not value my rights as a consumer are based on what they think not on what they should do review each charge and see what information was used to perform each fraudulent charge not on what you think because you are always making the decisions that you want I demand my consumer rights and return all funds from all fraudulent charges ... it's too much what I have waiting for XXXX and they never help me ..To contact me I receive calls only in Spanish 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 2019-07-18 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: GA

Complaint narrative:
Unauthorized hard Inquiries on my transunion credit report that needs to be removed. 

XXXX XXXX XXXX XXXX SO XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX   XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/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 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
Freedom financial has harm my credit by reporting I have a outstanding balance With then after I never accept there loan. I have been lied to repeatedly but there customer service team. They refuse to give me documents to show my loan is balance is XXXX. 
This company has ruin my ability to get funded elsewhere due to this loan being place on my credit report as a open high balance account. I never wanted the loan from them they retaliate by waiting three weeks then reported to the credit bureaus. They refuse to acknowledge what they have done or take accountability for the lies I have been told. Lending tree refuse to all or me to put up a honest review on this company also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: I.C. System, Inc.
State: OK

Complaint narrative:
IC System pulled my credit report multiply times and I haven'tXXXX didn't apply for any credit during that time. 
XX/XX/XXXX, and XXXX, XXXX and XX/XX/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 2019-07-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello my name is XXXX please delete this account from my credit report and I have tried to dispute this account multiple times and have not yet removed it please help me REMOVE this account from my credit this account was OPEN in a FRAUDULENT way SOMEONE You are using my PERSONAL INFORMATION to open accounts please without my AUTHORIZATION please REMOVE this account and put a fraud ALERT many THANK YOU ... I have already tried to solve this problem directly with the credit bureaus but I have not removed these FRAUDULENT accounts ... THANKS for understanding

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 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I noticed 11 different charges of {$8.00}, XXXX, XXXX, XXXX etc ... I immediately called Regions Bank because I noticed fraudulent activity on my account. I was told that since these charges were pending, I had to wait until the charges were approved in order to file a dispute. I then cancelled my debit card and ordered another card because I was not familiar with the charges. I knew I had been scammed! I then called Regions Bank and filed a complaint. While filing the complaint, I was told that I would be contacted within 10 days on a decision concerning the claim. After several weeks on receiving no answer, I called Regions and I was informed that I would not be receiving a refund because they deemed the charges authorized from the account holder. I vehemently disagreed with them and tried to resolve this issue. Those particular funds were sent to a " XXXX XXXX '' of which I do not own. There are a total of 11 consecutive charges on my debit card which is in itself suspicious. I would like these funds returned to me because I did not give any authorization to anyone whatsoever to charge me over and over of XXXX dollars! I was obviously scammed and Regions Bank is failing to see this. Again, I made no such purchases, neither did I give anyone permission to charge my card over and over for {$8.00}. Why would I then contact Regions immediately when I saw suspicious activity.

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 2019-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello my name is XXXX please delete this account from my credit report and I have tried to dispute this account multiple times and have not yet removed it please help me REMOVE this account from my credit this account was OPEN in a FRAUDULENT way SOMEONE You are using my PERSONAL INFORMATION to open accounts please without my AUTHORIZATION please REMOVE this account and put a fraud ALERT many THANK YOU ... I have already tried to solve this problem directly with the credit bureaus but I have not removed these FRAUDULENT accounts ... THANKS for understanding

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 2019-07-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello my name is XXXX please delete this account from my credit report and I have tried to dispute this account multiple times and have not yet removed it please help me REMOVE this account from my credit this account was OPEN in a FRAUDULENT way SOMEONE You are using my PERSONAL INFORMATION to open accounts please without my AUTHORIZATION please REMOVE this account and put a fraud ALERT many THANK YOU ... I have already tried to solve this problem directly with the credit bureaus but I have not removed these FRAUDULENT accounts ... THANKS for understanding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX   XXXX not mine XXXX XXXX  XXXX XXXX XXXX {$180.00} not mine

Company response to consumer: Closed with explanation