vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 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: FL

Complaint narrative:
Please see attached fraudulent personal information that I am disputing on my credit report. I have received several notices regarding security breaches that I believe are responsible for this activity on my credit report. I am requesting for all three credit bureaus to remove this inaccurate information 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 2019-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
My Loan was recently sold to PennyMac. I am noticing the payments I send to my account aren't being credited but instead held in escrow. Also since they purchased my loan I have racked up roughly 200 dollars in fees. Namely, property inspection fees for a total of {$180.00} since receiving my loan from XXXX XXXX. The fees are {$75.00} date XX/XX/XXXX/19 another {$75.00} fee on the same date XXXX/XXXX/19 for " property preservation ''. I also see fees of {$15.00} on XX/XX/XXXX/2019 for " property inspection fees '' and another fee on XX/XX/XXXX/19 for " property inspection fees ''. I have sent enough payments to bring my loan current but seems they are not crediting me but instead holding the money in escrow. I am not sure why. I have read a lot of complaints and also I have personally experienced horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested a credit freeze via Experian online and it was nearly impossible ( by design ) to complete the process. After generating an account with Experian, the credit freeze request is then generated through a mail-in process with a host of documentation. I telephoned the company to request a credit freeze. Once again, the process is seemingly evasive since I was unable to speak with a live representative. This company has a series of paid and questionable services. For example, it appears Experian may desire that the consumer request a credit freeze alongside their paid services. In closing, an Experian credit freeze is definitely warranted because they are reluctant to share credit scores and credit monitoring as a free service to 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 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
DITECH IS HOLDING MY MONEY ILLEGALLY ( REG X ) I refinanced and paid off my mortgage with Ditech on XX/XX/XXXX. Ditech has not issued my escrow impound account refund $ 3,700+ and  they are now out of compliance with Regulation X. 

I was issued an escrow account refund but the check was payable to both myself and my ex-husband. I was required by Ditech to send the check back with my divorce decree so that they could re-issue the check in my name only. Ditech received my check and sent me a letter dated XX/XX/XXXX saying that they would make a decision within 30 days. On XX/XX/XXXX at XXXX XXXX. I called Ditech to find out what the status was I was on the phone for an hour and 9 minutes and XXXX said that they would be escalating my concern and that I should have a refund within 7-10 business days. On XX/XX/XXXX I was on the phone for 52 minutes and told by XXXX that my case was accidentally escalated to a person who was no longer with the company. On XX/XX/XXXX I was on the phone for an hour and a7 minutes with XXXX who said that he would make my case a priority. On XX/XX/XXXX I was on the phone for 43 minutes with XXXX. Each time I was given a different answer about their ability to direct deposit and I even gave my bank routing number and account number to two different individuals. One day they don have the ability to direct deposit then next day I was told that they can. I have made multiple phone calls and spent hours on the phone attempting to get this resolved. I keep getting the run around ... ... ... ... ... ... ... And then finally this morning they admitted it! 

" THE BANKRUPTCY COURTS HAVE THEIR BANK ACCOUNTS FROZEN ''. THEY WERE NOT TRUTH FULL ABOUT THIS ON THE PHONE UNTIL THIS MORNING. The representative told me that they have know this for about a week and a half. Now they tell me that I will get my money as soon as their bank account are unfrozen! They HOPE that is tomorrow XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: MD

Complaint narrative:
I received my updated credit report from Transunion, the report stated the information was verified and to contact the creditor regarding the bankruptcy. Who did they verify the information with so that I can contact them. I contacted the XXXX XXXX XXXX  and they stated that they do not verify information with credit bureaus, my XXXX XXXX report does not show any bankruptcies on there. I would like Transunion to let me know who they verified the information with so that I can contact them.

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 2019-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX as assignee of XXXX XXXX XXXX, XXXX ; is attempting to collect a false debt and also falsely suing me for debt that is not mine ; that I never had ; as I have never owned or had a XXXX XXXX account that XXXX states they purchased from XXXX XXXX in XX/XX/XXXX in the amount of {$3700.00}. XXXX XXXX XXXX claims I owe this debt and has attempted to collect the debt through bank levy. Court files show they have been pursuing me since XX/XX/XXXX and filed suit in XX/XX/XXXX without my knowledge and without ever contacting me. XXXX and it's associates makes claims to proof of service by substituted service in XX/XX/XXXX at an address I no longer lived at. XXXX has been attempting to collect and sue/take me to court ; all without my knowledge using an old address to pretend to contact me until XX/XX/XXXX in which I received notice from the county recorder of an involuntary lien recorded. On XX/XX/XXXX I called XXXX ' Collections Attorney ; Winn Law Group to receive information and dispute debt. They stated I now owe {$7200.00} ; which is a misrepresentation and not what is stated in the lawsuit. I sent a dispute letter and request for validation of debt by certified mail to both XXXX and Winn on XX/XX/XXXX in which they both received. Winn Law Group sent me their first correspondence ever stating they were attempting to collect a debt. The amount stated over the phone and on paper are different. The information provided in their correspondence to me does not belong to me ; nor are there any documentation of proof showing that I had such account or that there is a debt owed by me. The file sent to me was incomplete, unverifiable, and inaccurate and the dates do not match up nor are there any signatures or valid information to link me to this false account. XXXX filed in XX/XX/XXXX an abstract of judgment against me which should be stopped immediately. I only know of this recent file by way of the county recorder. XXXX has been attempting to collect a false debt since XX/XX/XXXX. XXXX obtained a default judgment in which I never knew about in XX/XX/XXXX by using a previous address so that I could not dispute or fight for my rights. A debt collector must serve you with notice of a lawsuit if it sues you. And if it gets a default judgment against you because it failed to serve you with notice of the lawsuit, it is prohibited from trying to collect on that judgment. Collectors are not able to collect phantom debts ; this is violating the Fair Debt Collection Practices Act. Saying I owe a nonexistent debt is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Multiple calls to home, cell and several relatives cell and home numbers several times a day. Everyday. Calls from private numbers as well as XXXX and XXXX. Leaving messages on cellphones and informing relatives of debt. 

Number to call back is XXXX Each message the person had different extensions a few are ... XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I ordered a cell phone from XXXX for {$990.00} + tax with my World Mastercard from Chase. 

I received the cell phone a few days later as promised from XXXX. 

Order number XXXX On XX/XX/XXXX, I saw an ad where XXXX lowered the price of the same cell phone by {$150.00}. 

On XX/XX/XXXX, I opened a claim with Chase Benefits asking for Price Protection for this event ( Page 21 of their Guide to Benefits ). The Chase Benefits representative has accepted the claim, confirmed my card had the stated benefits and told me it would be a few days and Chase Benefits would contact me. 

Contact with me was made as promised and they asked for another 5 days. 
This request for more time has repeated itself again, without any explanation of why they need this length of time to verify a straight forward claim. 

I have copies of the orignial price, new price, credit card statements and Guide to Benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Trans-Fast Remittance LLC
State: CA

Complaint narrative:
On XX/XX/2019 I sent a money transfer to a friend of mine in XXXX. I lived in XXXX XXXX for 4 years and I have friends there still so this was not a scam transaction. Then I got an email from XXXX that they wanted to receive a copy of my bank statement and since this is PII information in it, I cancelled the transaction because I did not want to expose my personal information to someone that I do not know. 

While my transaction was still under review, they deducted {$900.00} from my checking account. Since this was awaiting my bank statement, these funds should have never been taken out of my checking account. I can understand this if my transaction was legitimate and it was being processed but since it was on hold until completion of review, this, in my opinion, should have never been done. I am wanting these funds returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: MD

Complaint narrative:
I received an updated credit report from XXXX stating that the bankruptcies has been verified and to contact the US Bankruptcy Court on XXXX XXXX. they also have listed XXXX Consumer center for the public records. I pulled a copy of my XXXX report and there are no bankruptcies showing. The US Bankruptcy court does not verify information with the credit bureaus. I need for Equifax to tell me who verified the information and to provide me with that information so that I can contact the creditor that verified it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
The company has responded that it is still working on your issue. 
We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

You can log in to see the companys response at CFPBs secure website. You can also review the companys response by phone with someone. 

COMPLAINT ID XXXX When I contacted Wells Fargo on XX/XX/XXXX about this issue it stated I would be mailed the information to my home within two weeks. I have only been contacted by Wells Fargo about this issue via mail. There response that they can not contact me is not true. Now I got a letter pushing their response out until XX/XX/2019. If this bank can not look at its records and give the customer the information the bank has an internal issue with its documentation. In the mean time they are charging me interest on an incorrect loan balance. This is not acceptable. I have not been given the law suit information either.

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 2019-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I opened a PNC cash rewards credit card in XX/XX/XXXX. I opened the card along with a checking and savings account. I found an advertisement online regarding promotions for {$300.00} ( for opening an checking/savings account ) and {$100.00} ( for opening a credit card ). The CSR said she opened up both accounts and gave me both promotions, but she had some IT issues and had to get her manager to enter some information for her. 

I met the requirements for both bonuses and I eventually received my {$300.00} reward. However, PNC did not pay the reward for the credit card. I called numerous times to PNC in XX/XX/XXXX and eventually got to a retail escalation agent. I documented contact with XXXX XXXX at XXXX ( reference number XXXX ) on XX/XX/XXXX. She basically said that the CSR did not enter the promotion code upon opening and I did not qualify despite meeting all the requirements of that promotion ( they are still currently running the promotion ). She refuse to send me an email documenting the circumstances and I called again to another retail escalation representative and she would not send an email documenting the details either. 

Given the lack of transparency, I'm confident they know what they did was wrong. The CSR either lied about me not requesting the promotion or had IT or training issues. I believe that the false advertising may qualify for a UDAAP violation and civil money penalties for all potential PNC credit card customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Please look on my credit report for the XXXX account number ( XXXX ). The status is coded as XXXX which means I am being scored as 120 days past due on an account with a XXXX dollar balance and XXXX   dollars past due. This is an illegal infraction being reported by XXXX and Transunion. However XXXX   is reporting this correctly. I have tried to dispute this direction with XXXX, XXXX and Transunion without any changes being made.

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 2019-02-12 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Please look on my credit report for the XXXX account number ( XXXX ). The status is coded as I5 which means I am being scored as 120 days past due on an account with a XXXX dollar balance and XXXX  dollars past due. This is an illegal infraction being reported by Equifax and XXXX. However XXXX is reporting this correctly. I have tried to dispute this direction with XXXX, Equifax and XXXX without any changes being made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
We have a mortgage with roundpoint mortgage servicing and we have been with them since XX/XX/XXXX, we paid our mortgages regularly every month and on XX/XX/XXXX I got a phone call from XXXX XXXX with roundpoint she let me know that roundpoint dropped the ball and accidentally deleted our PMi from our loan for 2 years! Mind you they review all accounts yearly and they somehow missed this 2 years in a row??? So our mortgage went from {$2100.00} to {$2400.00} for the next 5 years then falling to XX/XX/XXXX after the 5 year period. They are now telling me in XXXX our mortgage will be raised again. We have had several financial struggles after our mortgage increase and now with a future increase we are worried we will now lose our home. All I asked is that they right their wrong and soak up the negative balance that they caused but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has placed a charge off on my credit report with it also saying I owed a certain amount of money. I have contacted the creditor who does not have a account with me and I contacted the Bureau experian with no response except verified. I requested a method of verification and it has never been provided. XXXX XXXX XXXX have no account with my information and experian has it posted on 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 2019-02-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Lifted my credit freeze XX/XX/XXXX to apply for a credit card. Am trying to freeze my account again 5 days after lifting. I'm told my address is not valid which hasn't changed since 1996 and is on file. Now am told to send all information that is exactly the same as it was 5 days ago. and after sending it and 3 days more to review it will freeze my account. 
When I removed the freeze all three credit agencies did same on line in 5 minutes.

Why do I have to individually ( each agency ) and by mail reapply the freeze, after only 5 days. 
Nothing has changed on my part. 
The experian website only provided info for membership at a charge of $ XXXX/mo. 
When I phoned -- - I was just rerouted around and around never getting to the actual freeze -- -- just sent me back to the original options. 
I want to freeze my account today. If something happens it's on Experian.

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 2019-02-12 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: RFNA, LP
State: TN

Complaint narrative:
I recently paid off my XXXX account, I found they have reported a delinquent payment on this closed account to the three credit buearus. I have never been delinquent on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
I am writing to complain once again about Toyota Motor Credit. Below you will find my original complaint and their response. I feel that their response is still unjust and I will continue to file complaints until they take proper action. The fact that they can damage my credit report negatively for 7 years over one written attempt which I did NOT receive is absurd. As the co-signer on a lease with Toyota Motor Credit how can it even remotely be a fair practice to collect a debt through one letter and ZERO phone calls if that letter was not acknowledged. Now i'm left with a damaged credit report thanks to their lack of due diligence. I am right in the process of home buying and this is basically killed that. I want Toyota to take responsibility for their lack of attempt at collecting this debt and REMOVE this unfair charge-off report from my credit report. They claim they are are required by law to report accurate information and I would hardly describe their attempts as and this " Charge Off '' as accurate. You have the power to remove this do so! Otherwise, i will continue to complain, and even seek legal representation if need be for such unjust business practices and reporting. Hardly the intent of the FDCPA to say the very least.

Company response to consumer: Closed with explanation