vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage LN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Short sale was started on XX/XX/19. There has been no end of issues with PHH on this file. ( Being bought by Ocwen has drastically turned their servicing for the worse. ) STILL Having MASSIVE PROBLEMS. PHH doesnt seem to know how to manage their documents. We continually have to re-send the same documents OVER AND OVER AND OVER AND OVER to them. They might even confirm they have received the document, but on the very next call we are told they have not received it and we need to send it in AGAIN!!!!!!! 

-- -- -- -- -- -THIS IS NOT ACCEPTABLE -- -- -- -- - If PHH can not  manage their documents they need to be shut down. 


Do we just need to send the short sales to PHH via a CFPB complaint from now on?? Maybe then, FINALLY they wont lose the documents? 

CC : 1. OAG 2. XXXX XXXX 3. OCC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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:
They added a XXXX card with XXXX debt on it to bring my score down 40 points. I disputed the card, they agreed it was a mistake, took it off, now my score dipped again.

I have 0 credit card debt, a positive bank account. No late payments in a decade this is their mistake causing my credit to dip which is negatively affecting my ability to buy a home

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 2019-07-24 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: NY

Complaint narrative:
I have been a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 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:
They added a XXXX card with XXXX debt on it to bring my score down 40 points. I disputed the card, they agreed it was a mistake, took it off, now my score dipped again. 

I have XXXX credit card debt, a positive bank account. No late payments in a decade this is their mistake causing my credit to dip which is negatively affecting my ability to buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: NC

Complaint narrative:
CRA is in continuous error and hence violation of the FRANK DODD ACT, along with several FCRA, FDCPA and other consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 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: NC

Complaint narrative:
CRA is in continuous error and hence violation of the FRANK DODD ACT, along with several FCRA, FDCPA and other consumer protection laws.

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 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I submitted a complaint and the number is XXXX. Wells Fargo responded with a lot of irrelevant information avoiding what is the heart of the issue. I AM NOT A CO-BORROWER OR CO-SIGNER ON THIS ACCOUNT AND AM ONLY AN AUTHORIZED USER WHICH MEANS I AM NOT FINANCIALLY RESPONSIBLE!!! AS AN AUTH USER I CAN USE THE CARD, " BENEFIT FROM IT '', AND PAY THE BILL AND THAT DOESNT MEAN I AM FINANCIALLY RESPONSIBLE JUST BECAUSE YOU HAVE ME ON THE CHECKS PAID OR STATEMENTS!!!! According to the laws you are required to follow you need to produce the original contract showing my signature which you FAILED TO DO. THE STATEMENT BELOW DOESNT LET YOU OFF THE HOOK OR ABSOLVE YOU OF FOLLOWING THE LAWS! IF YOU DONT HAVE THE APPLICATION YOU CANT REPORT THIS TO MY CREDIT PLAIN AND SIMPLE. I also was not on the bankruptcy.

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 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I never received any information regarding this account prior to it appearing on my credit report. I was advised to pay the debt to make it go away regardless of receiving any information from the creditor. I disputed the debt on XX/XX/19 and received no response from the company, though it came back verified. How was the debt verified and why didn't I receive any communication? I disputed it again on XX/XX/19 with the same result - no communication but verified. Furthermore, the account is listed as open with XXXX. How is a paid collection, open? This company has sloppy reporting and collection practices and is hurting my ability to move forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BB&T CORPORATION
State: PA

Complaint narrative:
XXXX XXXX said : BB & T Branch Banking and Trust Company Corporate Investigation XXXX. XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX Dear XXXX XXXX : I am writing in regard to your recent behavior at or around our facilities at XXXX XXXX XXXX XXXX XXXX, PA. While Branch Banking and Trust Co. is committed to being open to the public, and accommodating our customers, your conduct falls outside the bounds of acceptable behavior. 

As a result, Branch Banking and Trust Co. is no longer willing to permit you to enter any of our banking locations. Accordingly, I am writing as an XXXX of Branch Banking and Trust Company to advise you that you are prohibited from entering any premises of the Branch Banking and Trust Company. 

If you choose to enter the premises of Branch Banking and Trust Co. you will be deemed in violation of the State of Pennsylvania, Criminal Trespass Statue, 3503, and Branch Banking and Trust Co. will take appropriate action. 

Please govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX XXXX BB & T XXXX XXXX XXXX XXXX XXXX has an office beside BB & T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX is also ... 

XXXX XXXX XXXX XXXX and Chief Excutive Officer XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX XXXX BB & T XXXX XXXX XXXX XXXX, PA XXXX Phone : ( 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 explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The problem is that all four credit bureaus use the same phone number XXXX XXXX ) and web site XXXX XXXX XXXX to offer options to people who want to opt out of prescreened offers. When I tried to opt out of future advertisement, the automated system kept getting my address wrong. No matter how I repeated my address, it kept miss-repeating my Street address. This kept me from being able to complete the over-the-phone form. This is not an isolated incident, it has happened to me before, two other times over the last few months. This is obviously being done on purpose to eliminate or reduce the number of people who opt out of prescreened offers through the mail. I tried to resolve this problem by contacting the FTC but couldn't fill out the online form because of the multi business and address parties involved. The automated system kept giving me error messages and when I tried to resolve the problem through their chat system, they couldn't help me at all.

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 2019-07-24 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XXXX XXXX, XXXX we paid XXXX XXXX {$2200.00} down to do landscaping. We got his company from recommendations on " XXXX XXXX ''. They came out two times one removed some landscaping bricks which they took with them and removed a section of fence in our back yard. They removed a few bushes never put the fence back and never showed up again. We repeatedly called and left messages. On XX/XX/XXXX we received a letter from his wife stating he took our money finished another job with it and then was arrested for XXXX   XXXX. We contacted out credit card company " Comenity Bank '' and filed a dispute. We sent in all requested documents. A couple months later we contacted Comenity and sent in all the information again. Every time we called Comenity they said they were investigating. Finally in XXXX of XXXX we received notice that the dispute was denied. Once again when I called they said they needed more documentation. When I asked what they needed they sent me the exact same list from the previous year. Once again it was denied and when I asked why they needed more information but asked for exactly what I had sent two other times. No one at Comenity would tell me what exactly they needed or what I was missing. I cancelled my card and still can not get any answer from Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: NC

Complaint narrative:
CRA is in continual error of reporting erroneous account.

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 2019-07-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC
State: CA

Complaint narrative:
XXXX XXXX AT PHONE XXXX X XXXX - XXXX XXXX HAS CALLED REPEATEDLY. HAVE CALLED AND HARRASSED FAMILY MEMBERS AND FRIENDS REPEATEDLY EVEN THOUGH THEY WERE TOLD THAT CALLING A THIRD PARTY AND LEAVING A MESSAGE WITH A THIRD PARTY TO CONTACT ME IS AGAINST THE LAW. THEY DID NOT CARE AND SAID THEY WILL CALL WHOMEVER IS ASSOCIATED WITH ME TO FIND MY WHEREABOUTS. THAT IS HARRASSMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: NY

Complaint narrative:
I have been a victim 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 2019-07-24 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: NY

Complaint narrative:
I have been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I filed a complaint directly with PayPal for an unauthorized charge of {$20.00} made to my bank account. PayPal resolution center replied that it was an authorized transaction and that if I wanted to see the documentation supporting this I had to write them a letter by mail. 

1.- They don't have legal documentation regarding this authorization, because it was not and because on the opposite I have documentation sent directly from the merchant apologizing for applying that service to my account, and that I should not have. Amongst emails of cancelation of that invoice.

2.- This is clearly a delaying tactic used by them as a way to create a bureaucratic hassle to impede people from pursuing resolutions on their cases as it is time costly, inconvenient and slow as written mail.

3.- Additionally of authorizing and insisting on charging me for this unauthorized charge, they forced the charge my bank account directly instead of the sole authorized credit card for online purchases. They use the information provided from me for different objectives and use this information to perform illegal and unauthorized deductions to my checkings account.

I never authorized PayPal to perform charges on my bank account. They were authorized only to use my credit card, but they used the information provided only to receive money. 

The transaction information is : Dispute Case ID : XXXX-XXXX-XXXX Transaction Amount : {$20.00} USD Transaction date : XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
XXXX XXXX said : M & T Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX : As a result of your continuing harassing behavior, and since you do not have any relationship with M & T Bank or occupants of the building at XXXX XXXX XXXX, XXXX PA XXXX, M & T Bank is putting you on notice that you are not permitted to enter the building at XXXX XXXX XXXX, XXXX PA XXXX from this day forward. Furthermore, you are also prohibited from contacting any employee or entity within the aforementioned building in any capacity. If you violate any of these terms, M & T Bank may take such legal action as it deems necessary to protect its interests. 

Respectfully, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX M & T Bank XXXX XXXX XXXX M & T Bank Corporation C : CERTIFIED MAIL RETURN RECEIPT REQUESTED Regular First-Class U.S. Mail Copy to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Partner | XXXX, Pennsylvania Email : XXXX Tel : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX - XXXX XXXX XXXX said : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ph ( XXXX ) XXXX fx ( XXXX ) XXXX EMAIL : XXXX Reply to XXXX XXXX XXXX No : XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Mail , Return Receipt Requested and U.S. Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Dear XXXX XXXX : This Law Firm represents XXXX XXXX XXXX ( XXXX ) . We are in receipt of a copy of an email which you forwarded and copied to the XXXX XXXX XXXX XXXXf XXXX. In your email, you threaten to bring a lawsuit against XXXX for XXXX XXXX undefined actions which you apparently claim arose in some private dealings you had with him. We write to request that you cease and desist making such unfounded threats. You are not a XXXX policyholder, and XXXX has no relationship with you whatsoever. To the extent that you follow through on your threats and file a frivolous lawsuit, XXXX will seek sanctions in court, including recovery of its attorneys fees incurred in having your suit dismissed. 

You are also instructed not to enter into or upon XXXX  place of business. If you are found at the premises, you will be considered a trespasser and will be reported to the police. 

Please govern yourself accordingly. 

Very truly yours, XXXX XXXX XXXX XXXX By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Floor | P.O. Box XXXX | XXXX, PA XXXX | ph : XXXX | & | XXXX XXXX XXXX XXXX | XXXX, PA XXXX | ph : XXXX | fax : XXXX | XXXX | XXXX   XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Assistant Vice President XXXX and XXXX of Facilities Fax : ( XXXX ) XXXX Cell : ( XXXX ) XXXX After Hrs. Direct : XXXX XXXX XXXX Home Office : XXXX XXXX XXXX P.O. Box XXXX XXXX, PA XXXX ( XXXX ) 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 explanation
Consumer complaint received 2019-07-24 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Exter Finance to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Exter Finance to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX XXXX XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I LOST MY WALLET BACK IN XX/XX/2017 SOMEONE FOUND IT AND USE MY NAME AND INFORMATION ( IDENTITY ) TO OPEN UP ACCOUNT WITH 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 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Terminated cell/internet/cable tv service with XXXX but they billed me anyway. Refund letter from XXXX office of President states I will receive refund of {$77.00} because I actually paid for a month I should not have paid for, and they agreed. I never received the refund of {$77.00} they promised, and XXXX will no longer respond to my enquires via email or voice message ( the same methods I had been using to communicate with XXXX ). Instead of sending me the refund as promised XXXX turned me over to a collection agency named DIVERSIFIED CONSULTNTS in XXXX, FL for allegedly not paying a bill {$73.00} that I have no idea what it is for. However, I've always paid XXXX in-full and on-time. I do not owe XXXX anything and in fact they still owe me the {$77.00} refund ( copy of refund promise from XXXX is attached ). My credit score is suffering, I feel like I've been damaged because of XXXX fraudulent billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
It started in XXXX last year, I have been disputing with them since last year. I recieved one letter from them stating I need to provide full account information.. Never recieved anything else from them, I have sent a total of 4 letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. The letter in XXXX was returned back to me for some reason.. Also they have been changing the amounts from XXXX to XXXX back down to XXXX in XXXX XXXX, XXXX which is against the law, I am requesting deletion for never verifying or validating the debt I owe and for not responding within 30 days of letter sent. Also for changing the amounts witht the credit bureaus thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
on XX/XX/19, i called Citibank about my credit card account. it was recently closed due to inactivity. I called to ask that my account be re-opened. I told them i understood why it was closed, and I kept the account open in case of emergencies. I would have used it if i had known that was a stipulation of it remaining open. They were nice about it, but asked me for my full social security number in order to re-open the account. I insisted that if they have my acct info, they should have that already. I was adamant that i did not want to apply for a new line of credit, and just to ask this one to be re-opened. I was promptly hung up on. I thought that was rude and tried the same number again. I reached a different customer service representative. That call was going better. I did not inform them of the previous call. We got to the same point in the conversation, when i insisted that we do not pull a credit report to re-activate my account. I was told they were not going to pull a credit report, but needed my info for verification. I asked again, for the recorded line, that the rep state we are not pulling a credit report, and was promptly hung up on again. I feel this company is not being honest with me or other customers about their practices. Seems like something XXXX XXXX would do.

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