vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have not used my credit card in a year since i received it. Come to find XXXX XXXX closed my XXXX XXXX account without notifying me i am very responsible with my credit. Now i have a closed account on my credit report as this will hurt my credit score as i am trying to buy a home. This is very unfair to me as a consumer. I have the right to use my credit wisely and use it when i want and if i do not want to at all for a year.I contacted XXXX XXXX and they responded well mam you can reapply again and add another inquiry plus a closed account real good for my credit. I would like this deleted from my credit reports i am getting no where with them. they are ruinig my credit and i did nothing but take an account out in 2016.They should not be allowed to do this. 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 2017-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Just received notice ( attached ) that Chase is changing the interest rate terms on my card I have had since 2015. Changing from 7.99 % to 12.99 % APR ; a 62.5 % increase. I called Chase and they said this was happening to better align my terms with what is currently offered. I responded, if I wanted terms currently offered I would apply for a new card. 

My choice is to close this to accept the new terms or close my account. Closing my account will negatively affect my credit ; as my credit history length will be reduced ( I have has this card for 12+ years, longer than the average account on my report. 

I was given no other option, Take it or leave it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Received call on XXXX XXXX, 2017 at XXXX XXXX from XXXX This is a very important message for XXXX XXXX XXXX please make it a priority to return my call as soon as possible so that I may review you some important time sensitive information with you. You can reach me at my toll free number which is XXXX my direct extension is XXXX that 's XXXX at XXXX my direct extension is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: GA

Complaint narrative:
I pulled my annual credit report XX/XX/XXXX and noticed I had incorrect and fraudulent accounts that were being reported. I sent a dispute letter in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX. I contacted XXXX XXXX XXXX in XX/XX/XXXX. stating that incorrect information is being reported on my credit report. Bankruptcy court replied, '' they do not report to credit agencies for me to dispute that information with the credit reporting agencies. '' Therefore I sent out the letter that I received from bankruptcy court asking them to remove it. And Transunion and XXXX refuse to remove it.

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 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BB&T CORPORATION
State: AL

Complaint narrative:
I have been writing these companies trying to get these unauthorized inquiries off of my credit report..I did not apply for credit with these companies. I have written them several letters asking them to remove these inquiries, but they have repeatedly told me no..

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 2017-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been trying to get validation from this company all they keep Sending me is a old credit card bill. I never had either of the credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
I am have trouble with American Education Services ( AES ). On XX/XX/XXXX I received an email stating that my most recent payment is past due. However, the payment was due on Friday, XX/XX/XXXX. I processed the payment around XXXX for the full minimum balance on XX/XX/XXXX which was the due date of the payment. I reviewed the website both on XX/XX/XXXX and XX/XX/XXXX and my payment is listed on their website as scheduled on XX/XX/XXXX but not processed. I contacted their customer service office on XX/XX/XXXX around XXXX and was told that I was three days past due and the rep requested a second payment. When I stated that I made a payment was made on XX/XX/XXXX before XXXX XXXX. I was told that is correct we do have a payment, and we usually clear payments between XXXX and XXXX however, we did not clear yours because 1 % of our customers make payment without having funds in their account. Although you may have never done this we will not show your account as paid until we receive payment from you bank. I said if that is your internal process then you should not send me nor my co-signer late notices. ( Which they did on XX/XX/XXXX ). The rep stated well that 's what we are going to do because some of y'all do n't properly pay your bills. I told him that I would seek legal action. I believe it is improper for AES to list my account as past due when I made a payment on the due date and prior to the close of business time listed on their website. I made the payment directly on their website to ensure something like this would not happen. I believe they are providing misinformation not only to me but to my co-signer by sending her a notice that I am behind on a payment when I am not. Even if they are not sending this information to the credit bureau they are sending incorrect and misleading information to their loan holders and co-signers. Please tell me what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: OH

Complaint narrative:
An attempt to fraudulently open a new XXXX XXXX account and make a purchase to XXXX of approximately {$340.00} through my XXXX account was initiated on Sunday, XXXX XXXX, 2017. I received an email from XXXX directly that the attempt was made but the request was denied. I immediately called XXXX to inquire about this attempt because I currently have an existing XXXX XXXX account and made it known that this attempt was not initiated by me and was fraudulent. The request was denied because the initiator could not answer the personal questions related to my person correctly. After discussing with Customer Service, they labelled this attempt as fraudulence and assisted me in changing my account password. I have not received further correspondence from XXXX, but noticed a new hard inquiry on my XXXX account. This inquiry was fraudulent and needs to be removed from my credit report. XXXX  does not allow online investigations with hard inquiries.

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 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
An initial dispute of the items on my Chexsystems report was made on XX/XX/XXXX. Included in the results of that dispute was an account for XXXX XXXX XXXX showing that I owe XXXX. The only validation made for this account is a statement made by the bank that " additional negative activity took place increasing the balance to {$470.00} at the time of charge off. '' On XX/XX/XXXX, a 2nd letter was sent to them asking for the documentation supporting that statement. Their response ( received on XX/XX/XXXX ) is attached ; however, again, no proof of the debt was included ; they simply restated the same thing. Please delete this account from my report in compliance with Section 611 of the FCRA which states unverifiable or inaccurate information must be deleted from that file of the consumer.

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 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My student loans got discharged by navient because Equifax is stating that I am defaulting on my loan when they were forgivin this has caused me to lose my security clearance and be denied credit. 
Equifax is reporting that my XXXX XXXX is late which is not true they were paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I have so many with a lot of dates starting back from XX/XX/XXXX till XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rhojo Enterprises, LLC
State: PA

Complaint narrative:
I was stationed in XXXX with the XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. In approximately XX/XX/XXXX I got a 1 year contract ( month to month after the 1st year ) through the on-post XXXX XXXX for XXXX XXXX ( XXXX ) cellular phone service. I kept the service until XX/XX/XXXX when I left XXXX due to a military XXXX. I cancelled the XXXX XXXX contract in XX/XX/XXXX as part of the XXXX checksheet ( a sheet you have to complete before the XXXX allows you to leave the country ). The contract had already reverted to a month to month contract, but was still cancelled the proper way in accordance with SCRA Section 535A. Two years later in XX/XX/XXXX, a company called XXXX XXXX ( owned by Rhojo Enterprises ) sends me a letter saying that I owe them about XXXX euro. I immediately emailed them a notice of dispute requesting debt validation etc. They called me and in talking to the company representative they claimed they did not buy the debt from XXXX XXXX, but that they were the US debt collector for XXXX. In XX/XX/XXXX they emailed me again saying I owed ( even more ) money to them now as they were charging 8 % interest on the " debt ''. They were offering to discuss a settlement in the email, knowing full well that the account was in dispute to begin with ( and this was 3 months later, they still had n't provided validation of the debt ). Finally, 8 months after it was requested in XX/XX/XXXX, they provided " documentation '' of the debt. This did not include the original contract with my signature, it did n't include the original contract terms, and it was basically a word document showing monthly statements for AFTER the contract was cancelled. A couple weeks later they sent me another email saying I owed them money and included the same documentation they had sent a couple weeks prior, with some of the information stripped out. I have n't paid any of this, and they still insist that they are the US reps for XXXX and that they did n't buy the debt from XXXX. They refuse to drop it, despite the fact that it is a clear violation of SCRA.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-20 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: GA

Complaint narrative:
I pulled my annual credit report XX/XX/XXXX and noticed I had incorrect and fraudulent accounts that were being reported. I sent a dispute letter in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX. I contacted XXXX Bankruptcy Court in XX/XX/XXXX. stating that incorrect information is being reported on my credit report. Bankruptcy court replied, '' they do not report to credit agencies for me to dispute that information with the credit reporting agencies. '' Therefore I sent out the letter that I received from bankruptcy court asking them to remove it. And XXXX and Experian refuse to remove it.

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 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have been writing these companies trying to get these unauthorized inquiries off of my credit report..I did not apply for credit with these companies. I have written them several letters asking them to remove these inquiries, but they have repeatedly told me no..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FC HoldCo LLC
State: AL

Complaint narrative:
I have been writing these companies trying to get these unauthorized inquiries off of my credit report..I did not apply for credit with these companies. I have written them several letters asking them to remove these inquiries, but they have repeatedly told me no..

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 2017-11-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I currently have a HELOC with PNC Bank on my primary residence which has been in place approximately 10 years with 100 % on time payments. On XXXX XXXX 2017 I began the process of applying for a new HELOC on the same property with PNC. This is a first mortgage since there is no other lien on the property. 

Over the next 3 months I invested a considerable amount of time satisfying their requirements for income verification. I am a real estate investor which meant coming up with hours of documentation for them at my expense. 

Once my income was verified I was told we would need a full appraisal. We spend many hours and dollars getting the house in top shape for the appraisal only to be told we had to have a second appraisal. 

After the second appraisal we were informed the collateral was not satisfactory. Since that time I have made numerous requests for copies of the appraisals to discern what exactly did not meet their guidelines and if perhaps something had been misrepresented in one of the two appraisals. 

The only response I received was a mailed copy of photos from one of the appraisals. This was simply 32 photos of the home with no written materials of any sort attached. There was no description, no value attached, or any explanation of any kind as to the outcome of the appraisal. 

Since that time I have made numerous email requests to both my contact persons with PNC and neither will respond to me at this point or give me any reason why the 2 appraisals will not be released to me. 

Since this was a first mortgage on my property and I have an interest in insuring an accurate appraisal was done, I see no justification for the bank not releasing to me the appraisals so that I may fully understand the reason for my rejection. 

My wife and I have credit scores of XXXX and XXXX with no negative marks of any kind on our extensive 30 year financial history. If the reason for our loan rejection was simply the appraisal information, as was indicated to us, I think we have a right to at least receive a copy of those two documents along with an explanation of why the collateral is not sufficient, especially since it is much improved today over what it was 10 years ago when they first approved it for a first lien HELOC. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: IL

Complaint narrative:
XX/XX/XXXX a inquiry dispute letter that I wrote to TransUnion ( tracking number XXXX XXXX XXXX XXXX XXXX ) was received by them. In the letter I explained that the following inquiries were not authorized by me. I asked that TransUnion remove the unauthorized inquires from my report and they refused in a letter of response, stating that the only way to remove inquiries are if the inquiries are not authorized ... ... .My letter clearly states that they were NOT authorized. Inquiries listed below ( please remove inquiries- use the DATE as a reference. 
XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Applied Business Services, Inc.
State: NC

Complaint narrative:
I pulled my credit report and found out I had a negative remark on my report for {$25.00} from XXXX XXXX XXXX XXXX  opened X/XX/11. I dispute this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I have been working with HSBC to try to save my home.These attempts have been unsuccessful. About two months ago I requested the paperwork for deed in lieu of foreclosure. HSBC has not sent me the forms. I would like to turn the house back over. Can you please help facilitate that these forms are sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a credit freeze on my information and having been trying to get a credit freeze lift to apply for a credit card and Equifax will not allow me to do it online or through their automatic phone line. I tried writing to them to lift the freeze and they never responded so I do n't know if they lifted it or not. I need this done quickly because I am applying for a credit card and there is no telephone number to reach a live person. This is messing up my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
On XX/XX/XXXX, Ocwen Loan Servicing received a payment from XXXX XXXX XXXX XXXX ( of XXXX XXXX, MI ) of {$80.00}, XXXX, paying off my outstanding mortgage balance with them. I have an escrow account with Ocwen with a balance of {$980.00}. On XX/XX/XXXX, I contacted Ocwen about the distribution of my escrow account and inquired when I would received the funds. I was told by a customer service representative that I would have the funds within 18 calendar days, which would be on or about XX/XX/XXXX. After not receiving the funds, I contacted Ocwen on XX/XX/XXXX and asked for the whereabouts of my escrow refund. I was told that the " check was mailed on XX/XX/XXXX ''. As I explained that First Class Mail from Florida to Michigan does not take one week, I was then told to contact my local US Post Office, as there must be an issue with them. I was also told to " give it some more time '' and to not contact Ocwen until after XX/XX/XXXX. I did not wait and contacted them again on XX/XX/XXXX. I explained my previous calls to Ocwen and again was told that the check was mailed on XX/XX/XXXX and to " be patient ''. I was for the check to be cancelled and to overnight the payment to me. I was told that was not possible and that if I asked for the check to be cancelled, it may delay my refund by another month. 

It is my understanding that Ocwen has 30 days under Federal law to return my escrow funds to me. I has now been 31 days and I am still getting the runaround from Ocwen. I would like the CFPB to contact Ocwen on my behalf and request the release of my funds.

Company response to consumer: Closed with explanation