vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: WI

Complaint narrative:
On XX/XX/2019 I sent Debt Recovery Solution a certified verification and validation letter. They did not respond. Therefore I want the collection removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Credit Bureau : TRANSUNION FRAUD I hope your day is going well, I need your help. I pulled a copy of my credit report and noticed a fraudulent accounts. I am a victim of identity theft, and did not make the charge [ s ] .This incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called XXXX  to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy. 
I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX XXXX  Opened : XXXX XXXX, 2016 Reported balance : {$6400.00} XXXX  XXXX Opened : XXXX XXXX, 2016 Reported balance : {$48000.00}

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 2019-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Our home loan with XXXX was sold to Mr.Cooper without our knowledge or notification. We only found out when we realized (yesterday, XX/XX/19) our automatic bi-weekly payment was not taken out of our checking account. I've tried to set up the automatic payment on Mr. Cooper's website and apparently can't set it up to do bi-weekly payments. I'm unable to get help because they don't take calls over the weekend. We are wasting our time dealing with this. We didn't ask for this and want to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

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 2019-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
I opened an online Money Market Account with BBVA on XX/XX/19 by electronic transfer from XXXX Money Market account for {$100000.00}. I did this because the interest rate was higher. Last week @ XX/XX/19 I planned to transfer funds to my Bank and got online to make the transfer. This is when I discovered I could not transfer more than {$5000.00} in one day and not more than {$10000.00} in a month. I contacted Customer service who told me it was a banking regulation. I checked the disclosure statement for the online Money Market account and there is no disclosure for these limits. I called back and asked to speak to a supervisor. The supervisor also told me this was their limit for electronic transfers. I told her I had other Money market accounts and they had no such limits. I requested to contact a Bank Officer. They told me they would forward my  concerns to the " out of footprint office ''. I asked for a phone number and was told they could not give that out. It would be 3-5 days before someone would contact me. The closest branch office was in XXXX, XXXX ( 3 hr drive ). I called that Branch and asked to speak to a Bank Officer. I spoke to XXXX who gave me the number and name of person in the Out of Footprint office. I left 2 voice mail mail calls to XXXX XXXX who never returned my calls. I finally spoke to XXXX in the out of footprint office who I told about the lack of disclosure and what I wanted was to transfer my funds back to XXXX XXXX. His suggestion was for me to open a checking account, buy checks which will take several days to obtain. 
I just want my funds sent back to XXXX where they came from. Had I known about the electronic transfer limit ( there is no disclosure of those limits ) I would not have opened this Money Market account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear : Transunion I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX   XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from 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 2019-12-14 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: MD

Complaint narrative:
On XX/XX/XXXX I received my credit report from your company. I see a adverse account that is being reported in error and have to be deleted. The account is XXXX see all three attachments of the report. It stats a close date on XX/XX/XXXX and a last payment date on XX/XX/XXXX. How is that possible! All can be seen on the attached paperwork. Please review and delete.

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 2019-12-14 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: TX

Complaint narrative:
Dear : Equifax I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX, XXXX Inquiry from XX/XX/XXXX XXXX  XXXX, XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

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 2019-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My loan was taken over by Carrington Mortgage approximately XX/XX/XXXX. I have had consistent issues regarding payments with this company especially since they do not accept electronic payments like 95 % of all other companies. In XX/XX/XXXX, I processed two payments via my bank 's bill payment system. Since Carrington does not accept electronic payments, they processed checks to be delivered XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, these checks had not cleared my bank account and were not posted to my mortgage account. At that point, I had to get these two mortgage payments process before the end of the month or I would have been 90 days past due. I ended up processing my payment over the phone which included an additional fee by the company. The very next day, both checks cleared my bank although I have a copy the recorded conversation on XX/XX/XXXX in which the agent confirmed that neither check had posted to my account. I was fortunate that my bank worked with me to reverse the fees and insure that I would not be penalized for this but CMS never made any attempt to rectify this situation. I then attempted to have my mortgage payment deducted from my account bi-weekly but CMS set the payment withdrawls on a bi-monthly schedule that rarely coincided with a bi-weekly payment schedule. It has been a real effort in terms of additional fees in order to may my mortgage each month ( I utilize XXXX XXXX ). 

The reason for this complaint is that on XX/XX/XXXX, I signed for two certified letters from CMS dated XX/XX/XXXX titled Notice of Intent to Foreclose. At this point, my XX/XX/XXXX was past due ( but payment was made by XXXX this same day ) but my XX/XX/XXXX payment was still within the grace period. 

I believe that CSM makes it harder to make your payments by not accepting electronic payments similar to payments received by other credit institutions such as credit card and auto finance companies unless you either allow them access to your bank account or pay extra fees to process payments over the phone which again allows the company to charge the consumer extra fees. On a 20-30 year mortgage, those fees are astronomical. 

I also believe that CSM violated federal law by send me two certified Notice to Foreclose letters with the attempt to deceive and intimidate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GREAT LAKES
State: TX

Complaint narrative:
not sure if this was the correct option but definitely involved in my complaint. first all representatives were professional and courteous. however i asked to not receive any correspondence except by mail because I've had difficulty getting any correspondence through phone or by email. i have received emails since then against my wishes and was assured by the customer service representatives that i would not receive any. second i have requested correspondence for re applying for the income based payback program. I was told i would be receiving the re enrollment papers in the mail. and have requested them a total of 3 times. i still have not received them ; but was able to receive the letters stating that the credit was being reversed as long as i was to send in the re enrollment papers. i have never received that re enrollment papers. my credit is being affected by this. secondly i got a letter in the mail around XXXX stating that my loans were about to default. i was on the income driven repayment plan and it was deemed a hardship for me to pay my loans. i had applied each time i was sent papers to do so for years. i never received any papers for to reapply which was apart of the agreement for the income driven repayment plan. it shows that i was 9 months behind on payments in XXXX. in other words i wasn't sent reapplication papers and was switched to another plan without my knowledge and no attempt was made to make mne aware of this. my credit is now been hit very hard due to this. i still qualify for no payments. this sounds very close to the definition of fraud. to date have not received any enrollment paper works which i have been told i would be receiving.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
My credit card number was used and fraudulent purchases made. I contacted the company right away to report it and told them that I wanted to make sure when a new card was issued the info regarding the payment history of time and all payments made on time and in full was going to continue to be reported. The credit card company closed the account. made an unauthorized hard inquiry on my credit report and failed to report the previous credit payment history. I contacted them numerous times to get this corrected. then the previous credit card was totally removed from the being reported. not reporting the info and then removing the card totally from my report and the hard hit caused my score to go down. This affects the insurance payments that I make for properties and cars. I estimated that this drop has cost me aprox 300 per policy. 
there are 10 policies that would have been affected. the new card was issued and it has been several months that nothing has been reported to the credit bureaus. I am frustrated with the number of messages I have sent the credit card company via the credit card site and phone calls. 
they need to reinstate the information back to the original card and show the payment history that was made on time and in full for the past ( I think it is 51 months ) they need to remove the unauthorized hard inquiry. I have sent them all the documents that they required numerous times and the only response I get is a standard letter saying they are investigating the case and will get back with me within 30 days. this has been going on for 5 months!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14 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: TX

Complaint narrative:
I am a victim of identity theft, and did not make the charge [ s ] .This incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy. 
I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX USA Open Date : XX/XX/2016 Amount : {$6400.00} XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX USA Open Date : XX/XX/2016 Amount : {$48000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

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 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX a fraudulent charge was made on my card for the amount of {$250.00}. A {$250.00} transaction that I noticed on XX/XX/XXXX the following week when checking my statement I called capital one right away the associate i spoke with said the company would investigate and I would not be charged as I knew I did not make this purchase I was not worried. On XX/XX/XXXX upon looking at my statement I noticed my card was again charged for the {$250.00} and promptly called the company I tried to resolve it with capital one with associate XXXX XXXX who stated she was the highest person in charge and b chip cards can not be cloned or copied i was responsible for the transaction. I used my card once that day at another store. And did not make this purchase and should not be held responsible for someone who committed fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
In XX/XX/2019, I applied for an American Express XXXX XXXX card and 1 hours later called Amex to cancel the opening of the card. The card was never sent or activated. 
3 months later, with better credit I applied again directly on American Express website. 

During the 2nd application process on their site it never told me they would NOT honor the 15 month 0 % purchase APR all other cardholders get.The site only told me I would not receive the cash intro promo. This is false advertising. Had I been told directly on the page I was NOT going to get the Delayed interest APR I would not have applied. FALSE ADVERTISING. 
I

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: TX

Complaint narrative:
Dear Credit Bureau : Experian I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did who did you talk with at the court? ( 3 ). Were you required to pay a fee to obtain the bankruptcy papers? ( 4 ). Can you provide me with the contact number and name of the person you talked to? My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : US BKPT CT TX XXXX Date Filed : XX/XX/2017 Bankruptcy chapter XXXX-dismissed Reference : XXXX and US BKPT CT TX XXXX Date Filed : XX/XX/2017 Bankruptcy chapter XXXXdismissed Reference Number : 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