vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-05 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:
XXXX, XXXX  SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  To Whom it May Concern : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes.

XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX  Mort Inquiry from XX/XX/XXXX Misc. 
XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX   Inquiry from XX/XX/XXXX Bank XXXX XXXX   Inquiry from XX/XX/XXXX Bank XXXX/XXXX   Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX 
XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX   XXXX. 
XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX 
XXXX/XXXX  Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I first contacted Plusfour Inc Collection agency to dispute errors on my credit report I did so in writing I was advise to send these letters by certified mail as proof of receipt. To my surprise the letter was returned stamped ( refused ). I then sent a second letter XX/XX/XXXX it was also refused. Both letters for two different amounts {$340.00} and {$230.00} Were returned. I sent additional letters to the P.O. Box and or the physical address provided on the credit report they were returned. I finally sent a letter to them by regular mail letting them know they were now in violation of the FDCPA law. { 807 } and { 15USC 1962a } and that I will now be taking them to small claims court. They were also made aware of their failure to add the clause ( in dispute by customer ) within 30 days. In the proof file of documents you can see this was not recorded until XX/XX/XXXX on just one debt but nothing on the other {$340.00}. Plusfour did respond after more then 40 days of trying to contact them and again only sent information for the one debt but no verification just a print out of a bill and nothing for the other debt in question. This has been very frustrating I have also been denied credit because of their lack of communication which has effected my livelihood.

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 2019-02-05 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: CA

Complaint narrative:
CRPA does not verify disputes. They simply ask the company if it is legitimate. They dont verify with any contracts or paperwork or facts. They just say hey they claim this is false, and the collection agency just says yeah, no verification whatsoever. Experian and the debtor do not provide anu proof they just say you owe this. I called both at least 3 times and they say sorry we dont verify anything. The debtor said well send proof. Then they just send what you owe and dont send a contract or proof from the fraudulent claim.

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 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XX/XX/19 I just got my HSBC Credit Card, and from the beginning I saw that i made a huge mistake by doing that!!! 

At first I registered for Online Banking, and I was restricted from getting any access a minute latter!! .... It took me 3 Days ; and 2 Hours of phone wait to get it resolved!!! 

Secondly I saw that they reported to the Credit Bureaus more then a week after I used the card!!! 

Then I finally used my card and right away made a payment! I accidentally logged in and what did I see? ... My Payment was sent back, and they charged me {$25.00}!!!! 

Finally got back the XXXX dollars, I log in again and I see I have NO AVAILABLE CREDIT!!!!! they told me MY ACCOUNT IS LOCKED!!! 

I called the Security Depot. AND I AM WAITING MORE THEN AN HOUR NOW!!!!!!!! 

NEED ANYTHING ELSE?!!!!! 

DO NOT EVEN DO ANY BUSINESS WITH THEM AT ALL!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I never gotten any bill saying i owe this debt. All my medical bills in pass were covered by Medi-cal. This debt appeared on my credit score from collection agency CA BUS BUR. And has been since 2012.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: MI

Complaint narrative:
I filed a dispute against XXXX collection account on my credit for two reasons.

1.- it is reporting a significantly higher balance than actual disputed balance. It is reporting {$690.00}, actual is {$67.00}. 
2.- The prior account holder XXXX placed this into collections solely off of fees charged on known fraud transactions which i reported and requested investigation by XXXX on multiple occasions. XXXX refused to investigate transactions and refused to correct the error. XXXX furthermore refused to provide proof of debt via validation, verification, authenticity and authorization of transactions in dispute. 

XXXX {$9.00} attempted XX/XX/2018 & XX/XX/2018. These unauthorized transactions caused overdraft fees to occur on the account due to nsf. 

These transactions were Fraud, they were not authorized by me so i should not be liable to pay them because XXXX refused to work with me. 

My report however lies in Transunions complete and utter failure to not only address the concern and investigate it but to provide sufficient evidence to support their outcome. 

I requested Transunion investigate these transactions under fraud and provide sufficient evidence and physical documentation to support their outcome. They have refused, choosing instead to provide a flimsy and weak argument that the debt is valid solely based on the companies response saying its valid. Nothing additional was provided to prove this. I contacted transunion many times requesting that either they provide proof of their outcome or remove the debt. They have refused.

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 2019-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Called on XX/XX/XXXX and times before to defer my student loan. They said I have two loans - one through the Dept of Education and one through Navient. The paperwork that they send is so convoluted and doesn't make sense. But, my interest keeps accruing, they keep calling my cell 5-6 times a day, and I don't have the money to pay them, not to mention the fact that they make it so difficult to figure out what I'm paying for - and to whom! Why aren't they straight-forward with the costs and which loan is for what. To be honest, I don't think the original loan amounts are accurate and I would like to see copies of those documents ( with my signature ) to verify the accuracy of those loan amounts. Will they still have copies from the XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Dream Center Education Holdings
State: CA

Complaint narrative:
XXXX University is being held in receivership for what is at best, incompetence regarding money management and at worst, fraud. The semester began XX/XX/2019 and it is now XX/XX/2019. Financial Aid has not been disbursed to the students, but remains in the school 's accounts while students are told that disbursements will happen " this week '' and then the next week. I am XXXX XXXX in XXXX. This is unacceptable. My loans are accruing interest while they remain in XXXX 's account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: Santander Consumer USA Holdings Inc.
State: NM

Complaint narrative:
Santander is reporting a debt on my credit file that I do not owe. They are reporting as a charged off collection. This debt is supposed to be paid the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: CO

Complaint narrative:
XX/XX/2019- I called in directly, in order to make an early payment with the company. This was after I was unable to navigate their website for the same purpose. the website gives the illusion that you have control over when and how and where you can direct payments, however once you choose an option, the only solution offered is to make an extra payment. The first customer service rep I spoke with didn't entirely understand my request and kept suggesting that I cancel my auto pay arrangement in order to make an early payment. After 10-15 minutes of asking questions and going back and forth with the rep on how that would work, I pointed out to her that the greater terms of my loan would be completely changed if I canceled the auto-pay arrangement. She continued to suggest that that was the only option I could use to satisfy my request. I then initiated a conversation with an alternate representative by asking if there was someone else that I could speak with because I felt that my point / request wasn't clear. The rep said there was someone else I could speak with and that she would arrange it. I was on hold for over 30 minutes, all the while listening to their auto prompt state that there was only a one minute wait time. The second rep that I spoke with gave me the same advice. I again pointed out to this option would affect the greater terms of my loan if I canceled the auto pay arrangement and he proceeded to tell me that that wasn't true. He was either poorly informed or lying about the situation, because I know for a fact that my interest rate will go up if I cancel the auto pay arrangement. This is yet another example of how this company poorly manages loans that were sold to them without permission from its consumers. It seems small, however, there isn't an early payment penalty in the terms. So I fail to understand why I can not find this service online or receive their knowledgeable assistance via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
I have disputed XXXX ( account # XXXX, XXXX ) several times. The company would remove the account for months even up to a year then it would reappear. I took the necessary steps that customer service instructed me to do, which were to obtain a police report. The documents that I uploaded are the same documents that I sent to XXXX when the company were removing the account ( I only updated ftc ). I contacted police station and was told to get report where I initially discovered the account. I even took an extra step and got a FTC affidavit per law enforcement. I submitted and again, company would remove for awhile and then it would reappear. 

I don't know what Lazega & Johanson LLC is. I've reached out directly to this company. I have two unauthorized inquiries ( XXXX, XXXX ) Those unauthorized inquiries have been illegally pulled and thus should not be on my report as they weren't authorized by myself, any person ( s ) or company on my behalf.

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 2019-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
On XX/XX/2019 I received an email from PNC Bank XXXX my mortgage servicer ) stating that my automatic payment of my mortgage was processed, however I noted the amount was double that of my mortgage payment. I verified with my checking account that two payments were removed on XX/XX/2019. One of which was the authorized mortgage amount of {$2000.00}. A second, unauthorized payment was also processed from my bank account in the amount of {$2000.00}. 
I then attempted to login to my online banking account and was found that I was locked out of my online banking portal with PNC bank. Therefore I could not verify my loan payments having been made and received. 
I then called PNC bank and spoke with a customer service rep ( XXXX ), he alerted me that PNC was aware of the situation and I had two courses of action, 1. receive a mailed check in the amount of my duplicate payment, this check would take 10-14 days via mail. 2. I could go through the verified process to receive a wire transfer in the amount of the duplicate payment. I told him that I could not wait 10 days to receive my funds back and that this was an unauthorized payment made to PNC that they needed to fix this problem. He alerted me that my only other course of action would be to call my personal bank and stop payment on the second unauthorized amount. 
I then called my personal bank, they told me the funds could not be stopped on their end but they were still pending and there was no reason PNC bank could not cancel the transaction in order for my funds to not be taken out of my account. 
- I called PNC bank back, I spoke with XXXX who gave me the same 2 courses of action as I was originally told. When I asked him to simply cancel the second unauthorized payment he told me that PNC bank does not cancel payments ... .. I escalated to his supervisor ( XXXX ) she verified that PNC bank would not cancel the payment on their end, she alerted me that " upper management '' is aware of the situation, she did not know how they would return my funds or when I would receive them but I was to trust her in knowing that they are working on it and my funds would be returned. I asked how they would correspond with me going forward, and she said they would not initiate any communication, I would need to call back to find out more information about my funds. Meanwhile, PNC bank has {$2000.00} of my money that I did not authorize them to take from my account and I have no repercussions in knowing when they will be returned to me, if I will have my funds to pay the rest of my bills for the month and feed my family and I am left with no answers as to when or how my money that they took from me will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: UT

Complaint narrative:
Late XX/XX/2018 I set up bi-weekly payments with Suntrust Mortgage. I had purchased a home in XX/XX/2018  and the mortgage was sold to Suntrust right away. I have never made a late payment or missed a payment with any mortgage company in the last 30 years. I made my regular XX/XX/XXXX payment which posted to the account on XX/XX/XXXX. Then on the XXXX and again on the XXXX Suntrust deducted half my payment to start the bi-weekly payments on XX/XX/XXXX. The XX/XX/XXXX payment has not posted. The payments are sitting in a suspense account. I called 4 different times on 4 different days in a row to inquire about this, I was told the first 3 times it will post tomorrow. On XX/XX/XXXX I spoke with a rep who said she has to submit a special request to have the funds moved from suspense to my payment and it could take 7 business days putting me past the late fee period. She said since I didn't pay a full month in advance on my mortgage I don't qualify for the bi-weekly payments and I would have to call each month to have the money moved from suspense. Now it is becoming a problem to get the money they are holding applied to my XX/XX/XXXX payment and I don't have the funds to make an additional payment while they work this out. This feels like a very crooked process to charge late payments to unsuspecting consumers.

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 2019-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
Hello, Our mortgage company Ditech transferred our loan to XXXX XXXX XXXX in XX/XX/2018.We received the letter from Ditech in XX/XX/XXXX, but did not receive one from XXXX XXXX until 3rd week of XX/XX/XXXX, we had an address but no account number or other information.On XX/XX/XXXX we paid Ditech through our credit union bill pay, which was received on XX/XX/XXXX by Ditech.In the disclosure letter it stated that ditech would forward that payment to XXXX XXXX who says we are in default and they never posted the payment although the escrow was transfered on XX/XX/XXXX.We are very near our sixty day grace period and are being threated with forclosure, received papers in the mail.We have contacted both mortgage services and our credit union, the cu suggested asking Ditech for a refund.they say that we need to contact XXXX XXXX.Thank You for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good Afternoon, on XX/XX/XXXX I paid {$16.00} and sent a notarized certified letter with an Identity Theft Affidavit to XXXX  and Experian regarding a fraudulent account on my credit reports. 

I received notification that XXXX and Experian received my notarized certified letter with its contents on XX/XX/XXXX. In accordance with the Fair Credit Reporting Act Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

I have paid a consistent {$24.00} over the last several months to my credit monitoring account to refresh my credit reports monthly to keep track of this issue. 

It is now XX/XX/XXXX and the fraudulent account has NOT been removed from my credit report and causing an on going hardship on me and my family because of this. I am submitting a complaint to the Consumer Financial Protection Bureau for assistance in this ongoing issue.

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 2019-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Union Bank has charged me a Loan application fee without my consent. Their claim is because I downloaded and printed the initial loan disclosures, I automatically consented to them and thus I've applied for the loan. There are many issues here. One, without being able to download/print, how can I review the initial disclosure let alone provide an electronic consent. They claim to be following federal reguation/guidelines but are unable to show me evidence of me providing consent. They even sent me a log which showed action as consented and subject as " previously consented '' which I have no idea how they reached that conclusion. The loan officer asked for my credit card to get the third party appraisal but instead, ended up charging me for Loan Application. Even in the initial disclosure, the Loan application fee is listed under Origination fees which only become valid once loan is approved. There is so much deceptive practice here that I am perplexed they are able to keep their license. Their VP of Customer Resolution Manager said I had completed an application, which was actually the application to get PRE-APPROVAL. That's the only application I completed or sent them. Yet they are claiming that I consented to their Initial disclosure but are not providing any proof beyond the print out that I have attached which again says " previously consented '' which I have no idea what it means or what its based on.

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