vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Agency reporting chapter XXXX bankruptcy and bankruptcy dismissed. 
However US bankruptcy courts does not release information to third parties. Based on this information must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: MI

Complaint narrative:
On XX/XX/XXXX I attempted to use my XXXX XXXX ( Social Security XXXX   benefit ) card to purchase items at a local supermarket near home in XXXX MI.   I was shocked when informed my card was " invalid '', knowing there should have been more than enough money to cover my small purchase. I immediately went online to check the status of the card and discovered things were very wrong. My geographics were changed to a new address at XXXX XXXX XXXX XXXX XXXX GA XXXX  on XX/XX/XXXX with new card replacement and expedited shipping fees to the hacker 's address equaling {$17.00}. Then, I discovered on the same day of my attempted shopping trip in MI onXX/XX/XXXX, between XXXX-XXXX there were 4 ATM withdrawals made in the amounts of {$200.00}, {$200.00}, {$200.00}, {$100.00}, and three {$.00} fees at XXXX XXXX XXXX XXXX XXXX XXXX GA. I called XXXX XXXX and notified them of the ID theft, robbery, forgery as the hacker would have had to sign the new card in order to validate it, and tampering with US mail. The hacker 's card was cancelled and a new card is en-route to me. But I have yet again been mandated to pay an additional {$17.00} for this card/shipment. 2 police reports were made to report the crimes in XXXX, MI and XXXX XXXX GA. The SSA admin, XXXX, and Medicare have been notified. All 3 credit bureaus have been placed on fraud alerts with credit freeze. I am highly concerned as I change passwords to my account frequently and do not give out private data, except to those privy-need to know information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I attempted to purchase shoes for 300 dollars from a seller on XXXX on XX/XX/XXXX. I sent the money through XXXX, through my bank. I inquired about the purchase on XX/XX/XXXX, and on XX/XX/XXXX they deleted their account. I tried to contact them through means give to me via the purchase made. They have not responded, the email attached to the XXXX account is XXXX. The name on the XXXX account is XXXX XXXX. XXXX says they are not liable for the charges made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made an online purchase on XX/XX/18. 

I am dissatisfied with my purchase. I discovered some of the clothing arrived damaged. In addition, I do not like the fabric and overall the quality of the items. So, I went to the store to make a return ( I wanted to return all items to the merchant ) I was told by merchant they could not assist me in my return. Merchant is not accepting any of the items purchased for a return/refund. 

I contacted my credit card issuer in regards to issue, credit card company states theyre unable to assist. I know my rights under the Fair Credit Billing Act and credit card company is not adhering to laws and regulations of such Act by refusing to help in the matter described.

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 2018-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
PayPal Credit selling assets to XXXX XXXX and APR is going from 19.99 percent to 24.99 percent. That is a unacceptable rise in interest rate! I will cancel all accounts that are associated with XXXX XXXX. I have never missed a payment and enjoy using PayPal on XXXX and am being punished for nothing but greed! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AE

Complaint narrative:
I am currently trying to purchase a house, the lender company ( XXXX ) pulled a hard pull on my credit report but they stated they could not pull my XXXX or experian score. I called both on XXXX XXXX and they stated there was no lock or freeze on them. I am in the military XXXX and XXXX said they had to put NY as my state address because they can not use XXXX XXXX such as XXXX. This is becoming so frustrating because we are stuck and I need them to see my scores for all three.

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 2018-04-26 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: Navient Solutions, LLC.
State: IA

Complaint narrative:
I have an account with Navient that shows several periods of overdue payments. This is negatively affecting my credit score. It is also incorrect, as the overdue payments were retroactively cured by forbearance. I sent the attached email to Navient. An employee named XXXX XXXX spoke to me on the phone, and stated that Navient is not allowed to change a report once it has been made, even if it is no longer correct. Her position is wrong under the law and under the advisory opinion I cited in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Upon checking my credit report I noticed an inquiry made by PayPal that I did not authorized upon my research to my surprise this is a common practice from pay pal. To have the sensitive information from consumers and to abuse it is unconscionable. This needs to be addresses and stopped at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX loan # XXXX in the amount of {$5000.00} originated XX/XX/18 has been paid off in full on XX/XX/18. Equifax and XXXX is still reporting that I have a balance of {$5000.00} which is not true. Equifax updated their report on XX/XX/18 and showing a balance of {$5000.00}. Because of this false reporting my credit score dropped 50 points! I want this false reporting of {$5000.00} to be corrected to {$0.00} immediately! This account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: KS

Complaint narrative:
TEK Collect has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX XXXX XXXX. and myself, XXXX XXXX which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation.

This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.

Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX XXXX XXXX are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 2. File a complaint with the FTC, 3. File a lawsuit against you in U.S. Courts for Harassment, fraud and invasion of privacy and attempt extortion.

You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist all collection effects and immediately remove my account from your office database. In the event you transfer this account to an attorney without providing proof of contract, he will be immediately reported the STATE BAR ASSOCIATION and the PROFESSIONAL LIABILITY FUND for code of ethics violations.

Please check the age date on this account. Look up DOLA ( Date of last activity ) and see the Statue of Limitations by Law makes this account unable to be collected. Please Cease and Desist all collection efforts and communications. You may inform me that this account has been removed from your office files and records as requested within the 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 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: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Franklin Collection Services Inc., added an account to all 3 credit bureau agency 's reflecting that I owe {$310.00} to XXXX XXXX XXXX XXXX. I transferred my service to XXXX XXXX   in 2017 with is a subsidiary company, XXXX XXXX XXXX XXXX I called a XXXX XXXX XXXX discussed my bill with them and told them I was unaware I had bill because I'd never received a bill in the mail. XXXX XXXX XXXX corrected my bill and I paid XXXX XXXX XXXX {$280.00} to themXXXX XXXX XXXX XXXX   also informed me that in 15 days, they would report my account as paid and Franklin Collection would remove their account from my report since they collected the debt. I called Franklin Collection Services to let them know, they need to delete/remove the debt from my report, because I don't owe them anything. I spoke to XXXX with Franklin Collection Services, and she advised me they will only update it as paid. I told her no, this needs to be removed because I did not owe Franklin Collection Services, I owed XXXX XXXX XXXX  and I paid them and that they are reporting false information on my credit report. This has hurt my credit score, and I'm in the midst of purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Sadly there was a returned payment on XX/XX/XXXX to my load provider West  Lake Financial. I was not notified via mail or phone. I was out of town working in MD. XX/XX/XXXX I come back and have a knock at our door at XXXX. A repo guy. He had the car hooked up. He asked for the keys and I emptied my car. In 2 hours we paid XXXX via XXXX as no other payment was good. We were told you couldn't pay on the spot. ( If I knew we had an issue before hand the cash was in the bank. ) So I called Westlake Financial to give them the XXXX confirmation number. Well, I was told I have to wait 24 to 48 business hours. I was told they only made 1 call to notify me and that they admitted they didn't leave a message. I was told that it was my problem and not theirs. 

I then called back later to ask if we could avoid having this on my credit report. The guy on this call was very rude and mocked me over the phone. He told me that should know how to pay my bills and that it was my fault and to deal with it as I was going to have that on my record and nobody will remove it. I have issues getting people on the phone to discuss these matters and I was told they do not allow customer to talk with the collections department that decides what is going on. In addition to paying the XXXX which included the processing fees, repo fees I logged into my West Lake Account and found they are trying to charge me another {$350.00} that was already paid. I had called XX/XX/XXXX around XXXX and asked why I was being charged 2x. They said they didnt get all the money and yet I had paid them via XXXX XXXX on XX/XX/XXXX. My account reflects they got the XXXX and shows no payments due but this repo fee. 
I want the repo removed as we were not notified and I was told that because my check didnt clear they had the immediate right to take possession of my vehicle since they made it 2 months behind. In addition, this was not my original lender. I was to have been with XXXX XXXX  ; however, after a month I was told our loans were moved to XXXX XXXX without any agreement or documents. I didnt agree to have this company as my lender and I didnt sign a loan agreement with them. There are numerous complaints on a site called XXXX XXXX. Why are they allowed to treat people this way. I am a single mom with an XXXX child and I can not afford the stress and all they had to do was communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I recently applied for a home equity loan and during a title search found an error from a previous lender. 

I refinanced a first mortgage and home equity line of credit with GMAC in XX/XX/XXXX. Both the first mortgage and home equity were consolidated into one mortgage loan at this time. In XX/XX/XXXX, three years later, GMAC submitted a lien for the home equity which had been satisfied. I am having trouble receiving a satisfaction letter to remove the lien because GMAC is no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently looked at my credit report and saw several accounts and addresses that I have never lived and or been associated with. I did file a police report about the fraudulent information on credit report. Below I will list the accounts and address that are incorrect on each credit bureau XXXX  Credit Report : Account Name : XXXX XXXX Co L Account # :XXXX  Date Opened : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX   Account # :XXXX Date Opened:XX/XX/XXXX Account Closed Account Name : XXXX XXXX XXXX  Account Number:XXXX   Date Opened:XX/XX/XXXX Account Closed Account Name : XXXX Account # XXXX Date Opened:XX/XX/XXXX Account Closed XXXX fraudulent address listed below : XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX   Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX   XXXX  has birthdate incorrect as XX/XX/XXXXTransunion Credit Report : Account Name : XXXX Account # : XXXX Date Opened:XX/XX/XXXX Account Closed Balance : {$1700.00} Transunion Fraudulent Addresses:XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX  Transunion has my named misspelled as well XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently looked at my credit report and saw several accounts and addresses that I have never lived and or been associated with. I did file a police report about the fraudulent information on credit report. Below I will list the accounts and address that are incorrect on each credit bureau XXXX Credit Report : Account Name : XXXX XXXX Co L Account # :XXXX Date Opened :XX/XX/XXXXBalance : {$300.00} Account Name : XXXX XXXX XXXX   Account # :XXXX Date OpenedXX/XX/XXXX Account Closed Account Name : XXXX XXXX XXXX Account Number:XXXX   Date Opened:XX/XX/XXXXAccount Closed Account Name : XX/XX/XXXXAccount # XXXX  Date OpenedXX/XX/XXXX Account Closed XXXX fraudulent address listed below : XXXX XXXX XXXX XXXX XXXX GA XXXX  Equifax Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX   Equifax has birthdate incorrect as XX/XX/XXXX XXXX Credit Report : Account Name : XXXX Account # : XXXX Date Opened:XX/XX/XXXX Account Closed Balance : {$1700.00} XXXX  Fraudulent Addresses:XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX  , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX has my named misspelled as well XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Sortis Financial, Inc.
State: MD

Complaint narrative:
XX/XX/XXXX New servicer per letter from XXXX XXXX ( Loan number XXXX ) on XX/XX/XXXX will be Sortis starting XX/XX/XXXX. To date I have not received any official letter from Sortis. ( Sortis Financial Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX. I have had a housing counselor since XX/XX/XXXX ; he called Sorits last week on XX/XX/XXXX and was told that my mortgage had not been transferred yet and the information was not in the system ; therefore he could not verify my original loan information : {$120000.00} and payments are {$1100.00}. I was advised to wait until he talked with Sortis before sending a payment. I got a call from my homeowners insurance agency on today stating that Sortis wanted to escrow my account ; but I have not heard from Sortis officially. 
Spoke to my homeowner policy agency today. The caller to my homeowners policy agency was XXXX XXXX from XXXX XXXX XXXX XXXX or Sortis, at XXXX. They wanted to escrow my account, but they only wanted to pay the only the balance of the account ; not for a full year ; they were going to overnight a check. Still I have not heard from them and I told my homeowners policy agency not to make any changes. 
I contacted my housing counselor and he was in touch with Sortis and they said they acquired the loan this past Friday, and that is why I had not received anything from them yet. They said my new loan number will be # XXXX. They told the housing counselor to call back in a few days and they will start modification procedures. 
I am concerned because : # 1 Sortis called my homeowners insurance policy agency before any official paperwork was sent to me ; # 2 XXXX said the loan was transferred on XX/XX/XXXX but Sortis said they did not acquire it until XX/XX/XXXX. 
I will continue to work with my housing counselor and would like to get a loan modification with a lower interest than 11.2 % and payments less than the {$1100.00} that I am paying currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Agency reporting chapter XXXX bankruptcy and bankruptcy dismissed.

However US bankruptcy courts does not release information to third parties. Based on this information must be deleted from my 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 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC 's policies for funding a mortgage escrow account are arbitrary and demand more than is necessary to cover expenses. They have a rationale, but the method ultimately demands more than is necessary. The consumer has no practical way to dispute or negociate the demands. 
Additional complaints concerning PNC 's collection policies and internet access to account information can be found any number of places, but I can describe a typical PNC experience relatively objectively : All telephone calls to PNC will subject the consumer to repeated disclaimers concerning the rights of the mortgage company. The first representative will verify all current contact information very specifically, item by item. When the issue of website access arises, the consumer will ultimately be told, for any number of reasons, that PNC can not provide immediate access to account access, because the account can not be verified. Resetting a password ultimately involves a company policy that requires the use of a PIN number that is only sent via standard mail. Since is sent via regular mail, it can not be tracked, and it creates a delay that prevents the consumer from having access to necessary information before a payment is due.

Company response to consumer: Closed with explanation