vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 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: OK

Complaint narrative:
I am requesting information regarding a process, for those who have been homeless, to obtain their credit report. I provide free classes on how to get a credit report and answer question on correcting errors on the report. I have a class scheduled at a center that provides housing and recover programs for the homeless and those suffering from additions.

Many of these dear people have lived on the streets for years. One problem I have found is that they are often stuck in a cycle that prevents them from getting a job or housing.

The cycle is they attempt to rent an apartment or get a job but fail because their credit is bad. They then remain homeless and jobless until they can try to repair their credit report.

There needs to be a process that allows the homeless person a way to get their credit report prior to seeking employment or housing. I have checked your site and you require a Social Security number, address and Birth date to get a credit report. The individual has the social security card and birth date but no address.

What can a person use that is a legal document to submit in place of the address to prevent Identity Theft? There needs to be a solution to this problem. This issue affects thousands of US Citizens trying to get their lives back on track.

I have searched your website but there isnt any information to address this issue. I tried your contact numbers but they do not provide access to a customer service representative to allow this question to be asked.

I searched the CFPB website and there isnt a reference for this issue. I think this question should be added on the website. This problem affects thousands of people and their families. We need a process to assist these families.

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 2019-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FirstPoint Collection Resources
State: LA

Complaint narrative:
Firstpoint collection resources is reporting an collection the credit report for an original account with XXXX XXXX XXXX XXXX. I spoke to Ms. XXXX XXXX on XX/XX/19 with XXXX  collection department who stated that she is unaware of this company and what they are collecting on. I am asking for a removal from my report and has mailed a validation request to Firstpoint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have spend hours on the phone with equifax attempting to get my credit temporarily unfrozen. I have the information with PIN number, ss etc. They told me my file is incomplete, so I submitted every bit of information they asked for via fax. Yet they still report they are missing information, and when I call they can tell me nothing else. This is ridiculous, they have all the information needed. The other 3 credit bureaus took 2 minutes to lift a freeze, as directed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: OH

Complaint narrative:
I was notified by phone on XX/XX/XXXX that loan was in default and told that I had until XX/XX/XXXX to set up payments on the rehab program or I would incur a 19 % fee which would be XXXX. He wanted info about my AGI from tax return so I did some research to make sure that it was legitimate then attempted to call back with that info from my tax return. The wait on hold to talk to someone at PHEAA was always a long time and they are unavailable on the weekends but I finally reached someone, XXXX, on XX/XX/XXXX. The payment using my AGI was too high so we began the process of going over my income and my husband 's along with expenses then the call was dropped. I had to call back when he didn't and wait on hold again. I asked that he call back since he had my info. He did so on XX/XX/XXXX and I signed the form electronically to allow biweekly payments to begin XX/XX/XXXX while he was on the phone. He then said that he will email the agreement to me and my husband to sign and return. I had an email from them on XX/XX/XXXX but couldn't retrieve it. On XX/XX/XXXX a paper copy was received but didn't appear accurate so I tried to get ahold of them again to discuss it and did talk to someone else on XX/XX/XXXX only to be told that I now owe XX/XX/XXXX in fees in spite of the fact that I was trying to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Dispute is with Bank of America. Credit card was fraudulently charged {$160.00} on XX/XX/2019. Claim was denied because we did not have a credit card slip. Since the charge was not authorized how would we have a credit card slip?

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 2019-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am requesting information regarding a process, for those who have been homeless, to obtain their credit report. I provide free classes on how to get a credit report and answer question on correcting errors on the report. I have a class scheduled at a center that provides housing and recover programs for the homeless and those suffering from additions.

Many of these dear people have lived on the streets for years. One problem I have found is that they are often stuck in a cycle that prevents them from getting a job or housing.

The cycle is they attempt to rent an apartment or get a job but fail because their credit is bad. They then remain homeless and jobless until they can try to repair their credit report.

There needs to be a process that allows the homeless person a way to get their credit report prior to seeking employment or housing. I have checked your site and you require a Social Security number, address and Birth date to get a credit report. The individual has the social security card and birth date but no address.

What can a person use that is a legal document to submit in place of the address to prevent Identity Theft? There needs to be a solution to this problem. This issue affects thousands of US Citizens trying to get their lives back on track.

I have searched your website but there isnt any information to address this issue. I tried your contact numbers but they do not provide access to a customer service representative to allow this question to be asked.

I searched the CFPB website and there isnt a reference for this issue. I think this question should be added on the website. This problem affects thousands of people and their families. We need a process to assist these families.

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 2019-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have been in contact with Care Credit Synchrony Bank since XXXX XXXX. XXXX XXXX sent me a letter notifying me that I overpaid XXXX on my XXXX payment for XXXX XXXX purchased in XX/XX/XXXX. However, the account ending in XXXX has numerous balance transfers on it from XXXX XXXX Bank MasterCard ending in XXXX that I did not do or approve. I sent numerous letters asking for transaction information for these transfers and the company sent me the elctronic payment virtual checks dated XX/XX/XXXX stating XXXX was the Payment source to the XXXX account with a merchant ID blacked out except for XXXX ending numbers. I have no record of a XXXX   card during this time and no idea what merchant ID represents. I sent another letter to XXXX XXXX of the President 's office on XX/XX/XXXX sharing that I made a XXXX payment from my credit union in VA and those XXXX payments made XX/XX/XXXX funds showed up in CT XXXX XXXX account ending in XXXX that was dormant since at least XXXX ( I opened it in XXXX with my mother ). They are listed as a credit card payment and on XX/XX/XXXX listed as a returned item deposit?? How could this be? The check number is XXXX and I have no idea what or where that came from. In addition, there was a new care credit opened in my name that I have no idea about with a log in of XXXX and password XXXX that does not open the page saved in my XXXX password. I asked the secret service for help in VA and they shared the log in looks like a routing number. They have not responded to how the payments went from my credit union to XXXX Bank in CT to an account I have not accessed since XXXX? Those records are easy to retrieve. It was assumed dormant. XXXX XXXX, a family member did access those accounts in CT and opened numerous cards in my name with a false address in CT while I lived in VA. The secret service reported frequent balance transfers may be indicitive of laundering. He is being investigated for XXXX of checks made out to him and cashed at the teller from XXXX to XXXX ending in XXXX. He closed both accounts in XXXX, however, I requested records and need to know why Synchrony is not responded to my question. How did my payment go from my XXXX XXXX XXXX made XX/XX/XXXX and credited to hearing aid account balance and end up on XX/XX/XXXX and XX/XX/XXXX in a XXXX account in CT I had not accessed since XXXX? I did not have an XXXX XXXX card that was used to make a balance transfer payment of XXXX to XXXX XXXX XXXX Master card I also did not have access to or records will show use? Please investigate this fraudulent transfers? XXXX XXXX has not responded to my letter with records dated 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 2019-08-26 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2019-08-26 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
i had a mortgage with ocwen loan services, acct ( XXXX ). 
i had sought a modification years back and received a modification which was posted to credit report over 7 years ago. No payments were missed and account was in good standing once modification was in place. I refinanced with XXXX XXXX  XXXX ( since sold to XXXX  XXXX ) in late XXXX XXXX of 2019. Prior to refinance closing, i received a letter from PHH mortgage that they would be assuming the servicing of the Ocwen loan. 
Seeing as the refi was being completed, i felt no need to contact them. The closing occurred without a hitch and the loan was paid off in full. Two weeks subsequent to closing, i received a credit report alert that PHH has posted on my credit report that a modification had occurred. This was YEARS PAST the time the modification had occurred. this has since done significant damage to my credit score, that i worked very hard to re establish. i contact this PHH and they are of no help whatsoever. Can you please force them to remove this late, errant, false report on my credit report. 

phh mortgage XXXX XXXX XXXX XXXX XXXXl, NJ XXXX XXXX XXXX XXXX Loan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A company called XXXX XXXX XXXX has placed a past do notice on my credit report of {$700.00}. I have no knowledge of this dept or the company itself. Its connected to a a company called XXXX. I have contacted Experian and XXXX to have this removed and both are saying that the dept has been verified as accurate. I'm completely confused on how this could be true. I know nothing of either of these companies nor have i ever received any kind of notice thru the mail from either if them. Experian shows on my personal info that there is a name on my " also known as '' section. This is not accurate. I've only ever used my given name my whole life. I feel they are trying to use me as a scape goat for this other person. I have lived at the same address for the past 10yrs and have all the same accounts i currently have had this whole time, including all utilities, phone, internet and XXXX. I don't understand how they can verify something that never existed.

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 2019-08-26 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: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/2019 my PNC credit card was given to the taxi driver to pay for ride. As I got out of the taxi I realized the card was not returned. I immediately contacted the bank to report it stolen as I saw a charge for XXXX rather than the XXXX which would have covered the cost of the taxi. I have contacted PNC several times and been transferred around from one department to the next. The I was told they could not do anything about this dispute and would not explain what steps were taken to attempt to resolve this matter. This clearly is fraud. The bank is refusing to help as their claim is my husband provided the card. The receipt was signed fraudulently by the vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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 have several items on my credit report that o.re not mine. I noticed it because I recently applied for o. credit card and I wasn't approved so it prompted me to check my credit report these items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX There are also several inquiries as well that need to be deleted. XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DRB-40, LLC
State: NC

Complaint narrative:
Threatening to garnish wages, harassing and rude phone calls, threatened to sue, threatened to seize personal property, my house. Company only calls. I have not received any correspondence by mail with any details of the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I asked Toyota Financial Services for refunds on prepaid services on my XXXX XXXX XXXX. The Dent Care and Tire Care features were prepaid to them when I purchased the truck. The company said that if in the future I wanted to cancel these features I could and the refundable monies Would Be applied to the principal of my loan. I asked for these two to be canceled and Toyota Financial applied them to my payments cancelling my automatic payment cycle and placing me into late payments status damaging my credit. I called XXXX XXXX at XXXX XXXX who claimed I was ok and everything was good. Not so!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
Oportune used to be known for progresso finaciero I have talked to them multiple times about my hardships at work and that I know of my financial obligations towards the loan. They offer no resolution and try to force huge amounts obvious payments that I cant pay. Ive paid them XXXX and then XXXX twice trying to catch up with my obligation. They call 8 plus times a day harassing me even after I try to resolve my missed payments. They have called my place of work and sent letter plus an actual person to my place of work which is my Employers physical address putting my job at risk of me being fired because my boss is not appreciating these calls or someone arriving at her home. She as well be filing a complaint against them. I dont own any vehicles, a home or house. They are threatening to sue or have filed when Ive tried to discuss with them and resolve issue. They do not care. I would understand if I were honestly ignoring my obligation but I am not. Im trying to work with what I can. Ive had two loans with them before and paid them off. This is a third loan Ive obtained with them and its ridiculous to me that I am a Returning customer and this is what they are doing to me. After I pay this off I will ABSOLUTELY not do any type of business and take my referrals elsewhere who have taken out loans with them as well. This company is a joke and Im thinking of course suing for my hardship with them and my way of income being compromised because of them harassing my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon reviewing my credit report from Equifax, XXXX, XXXX, there were multiple inquiries I did not authorize. I believe someone used my information and attempted to apply for credit with these companies. I have challenged these inquiries with the credit bureaus and they have come back erroneously verified from the following companies XXXX, XXXX XXXX XXXX, and Equifax Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I closed my two accounts back on XX/XX/XXXX this year because I relocated to XXXX, Illinois, and there are no US bank branches nearby. I requested that a check of each account is sent to my new mailing address. I never received a check, so I contacted the 24-hour customer service ( I initially contacted the branch office, which is located on XXXX XXXX, XXXX, MN, where I opened the accounts, but I was directed to contact the 24-hour customer service ) and was told that two checks had been sent to my residence. I never received any of the checks. 
They told me that I had to fill out two Declaration of Loss forms. I filled out the forms and sent back in the provided envelopes.The address shows XXXX XXXX XXXX and I believe its address is XXXX XXXX XXXX, XXXX, MN XXXX. 
Since then, I have received only one check of {$100.00} from my checking account, but not for the balance ( {$2600.00} ) on my savings account. 

I contacted the XXXX branch office where I opened my accounts and the 24-hour customer service many times, and the XXXX XXXX. ( I have all the records. ) However, the 24-hour customer service put me on hold for over 30 minutes and never returned. I left numerous messages on the voice mail of XXXX XXXX, but I have never received a single response. The branch assistant office manager told me that they could not help and told me to contact the XXXX XXXX. ( I can give her name if needed ). I noticed that the check for my check account of {$100.00} was issued on XX/XX/2019, by XXXX XXXX located on XXXX XXXX XXXX , XXXX, XXXX, MN, which is in the corporate office building. 
I am also attaching the Declaration of Loss forms to this mail. 

Many thanks in advance.

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