vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am on XXXX and am not able to control my own we finances that's why I have a payee. And almost every credit card was opened and not payed for as I had no idea that a card was opening my name. I get said in the amount of XXXX $ and my payee is the person who handles my bills. please remove all these negative items from my credit as I had no knowledge of them being opened in the first place thank you

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 2019-08-27 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: AR

Complaint narrative:
In the early days of XXXX of 2019, I notified Experian of two specific accounts that were reporting on my credit report that were established due to identity theft without my knowledge and consent. I then immediately filed a Police report with my local authorities informing them if this matter. Since I have sent Experian a notarized letter of dispute, an affidavit, as well as a copy of the police report. It has now been beyond 30 days an I have not received any correspondence from Experian regarding my dispute. I am well aware of my consumer rights under the Fair Credit Reporting Act sections 605b, 609, and 611. Experian now is in violation and I expect them to adhere to the FCRA by removing the accounts 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 2019-08-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My spouse filed Ch. XXXX the first of XX/XX/2019, she is not on the mortgage and I did not include this loan in the settlement. Immediately after Lakeview Loan Servicing LLC received a courtesy notice of the spouses ChXXXX. They promptly pull account in into their bankruptcy section, tried to overcharge me for property taxes, which wife attorney called them on. Now they are charging me approximately {$1100.00} for their attorney fees for an account that was never officially include in the actual bankruptcy. 
I tried to call them a few week after the filing when I could no longer access my account online. The representative treated me like I filed for bankruptcy ( very poorly ) and said they are entitled to take such actions solely because Texas is a common law state. I asked if I could speak to a supervisor and they said one was not available and he would re state the same policy. 
I am a XXXX  XXXX veteran and the purchase on my home has been the first benefit I have used after 20 years of service, this company has ruined this thus far. I feel this company is trying to seek fees and extort this situation just for profit, which is very concerning that is a common business practice for the 4th largest  mortgage company in the USA.

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 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp
State: GA

Complaint narrative:
I contacted LendingClub on XX/XX/2019 to communicate to them that due to extended unemployment I was unable to make the XXXX payment in the amount of {$720.00}. They said the best they could do was move the payment to XX/XX/2019. They confirmed that autopay ( bank debit ) was stopped and advised me to call back to have the payment date further extended. I called back on XX/XX/2019. They said the best they could do was stop the autopayment. They confirmed the autopayment was suspended. On XX/XX/2019 they debited my bank account anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: KS

Complaint narrative:
Radius Global Solutions LLC : called me repeatedly at before XXXX and after XXXX, refused to identity who they were and the purpose of their call, continued to call me after I told them several times to cease. 

Months AFTER receiving these calls, they contact me by mail claiming they " just '' received the alleged debt. They are harassing me regarding a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had a card with Chase that I was not using, and that had been carrying XXXX balance for some time. The card was linked to a ride sharing service, and I accidentally charged XXXX {$50.00} to the card. Having not realized I had made the charge, I was late in paying the bill. 

Though Chase obviously had my email and phone number, I never received an alert through either of these media informing me I had an overdue balance. Rather than sending a simple text message, email or making a call Chase charged ~ {$170.00} in late fees. Also, my credit report was seriously damaged over a very small debt ( {$50.00} ). 

While of course customers are responsible for charges incurred, the bank should make a reasonable effort to inform customers of overdue bills. Chase easily could have done that and failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: NY

Complaint narrative:
Transunion keeps allowing the company XXXX XXXX, XXXX to report inaccurate information saying i owe them money on my report. I do not owe this company any money and all other credit reporting agencies had the information removed because the account is not mine and should not have been placed on my report. When i try to get the account removed Transuion allows XXXX XXXX to Parrot saying the information is verified but this isnt true. I certified mailed XXXX funding in XXXX asking for verification and recieved no response from XXXX XXXX. Transunion is willingly committing fraud against me by letting this inaccurate creditor report on my credit.

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 2019-08-27 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: KS

Complaint narrative:
I have been attempting to dispute fraudulent and incorrect information on my credit report with each of the bureaus. I provided additional documentation regarding a dispute and investigation request, and it has been over 30 days.

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 2019-08-27 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I have a negative report in my Credit account data or Fico score from a Credit Card company known as Barclays Bank. Located in Delaware??? Phone number XXXX? They claim i owe them a balance of XXXX dollars on a limit of XXXX  dollars? I also am suppose to submit them XXXX a month??? I do not have any Credit Cards from said  company much less an account. I did have a lost Credit Card from XXXX XXXX which i immeditely reported to them. That issue has been resolved but some one may have used card to open up that Barclays account??? At any rate i have no idea who Barclys Bank is other than the info i got from another local bank when we were doing a refinance analysis. I have called them but never get a sraight answer or no one from Managementat said phone number? Meanwhile my score has gone from XXXX to XXXX as a result of them??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In response to my prior complaint through cfpb, XXXX cards sent me a letter dated XX/XX/2018 apologizing for the confusion with my account and agreed to uphold our payment arrangement. They advised me that they would be writing my balance off at the end of the year. I went to help my son get a loan for his car and it was brought to my attention that my credit score had dropped significantly, more than 100 points from the 700s to now the 500s. In reviewing my credit report I found that sometime earlier in the year XXXX not only dropped my credit limit affecting my credit utilization and credit score, but also started reporting my account delinquent affecting my credit score. I called XXXX several times and about a week ago spoke to someone/manager who acknowledged that this should not be happening and he would get corrected. As recently as today, the account is showing 60 days delinquent, which is not the case per our payment agreement. 
I want my credit restored. If XXXX is going to write off the debt which will likely affect my taxes, then I do not also want to be hit with the terrible effect on my credit. In the last few months I went from good credit to poor credit which is not reflective of the type of consumer that I am. It is unfair and I don't think that any company should do that to a customer. Really disappointed with XXXX cards once again.

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 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: KS

Complaint narrative:
I have been attempting to dispute fraudulent and incorrect information on my credit report with each of the bureaus. I provided additional documentation regarding a dispute and investigation request, and it has been over 30 days.

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 2019-08-27 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I have been attempting to dispute fraudulent and incorrect information on my credit report with each of the bureaus. I provided additional documentation regarding a dispute and investigation request, and it has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The lender used predatory lending tactics and has failed to recognize there has been a breach in the contract making it defective and void of any force or effect against this estate.. 
I have documents that prove my claim, and that any and all possible facts, or issues that arise out of this complaint will be accepted and acknowledged. This initial complaint does not limit or diminish any later bringing forward of evidence or other allegations into this complaint. Nothing can be barred for not being mentioned herein, hereunder, having not been noticed, not brought forward in a timely manner in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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 — Investigation took more than 30 days
Company: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
I have sent a letter out disputing this account asking for the contract with my signature. I sent a dispute 3 times asking for proof. XXXX, and XXXX has deleted this inaccurate account because it is not validate. I want this delete off my credit report, it has been over 3 months

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shop Your Own Corp
State: TX

Complaint narrative:
Shop Your Own Mortgage advertises and claims to be license in Texas and Nevada. I looked up the license number XXXX gave me over the phone because he said he was licensed, but it was just a generic number, it wasnt associated to him. I am pretty sure its a law to have a license for each state they conduct business in. I couldnt find anything for XXXX or even the sales manager XXXX being licensed here. And they were quoting me these crazy low rates. It just sounds fishy to me. I asked them to email me and they told me I needed to give them my ssn. Theyre not even licensed ...!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Card Receivables Fund Incorporated
State: IN

Complaint narrative:
On XX/XX/2018, Unifund CCR LLC filed a lawsuit against me. In court Unifund failed to serve me many important documents, misinformed the court many times ( told the court that " I '' was " confused '' during this year long lawsuit and either intentionally confused the court and myself or the attorney did not look at documents and records being submitted. Unifund 's counsel argued telling the court that I was using the court order to compel arbitration to argue FDCPA violations on another account owned by Unifund, which was not true. 

In arbitration with XXXX XXXX XXXX ( AAA ) ... 
I file two demand for arbitration cases with XXXX. One was a court ordered case and the other case included an account that was never in court. The court ordered XXXX case was closed by XXXX due to Unifund failing to pay their filing fee. Unifund 's counsel commingled the two credit card accounts into the XXXX case that contained the credit card account that was never in court. Their answer to my demand for arbitration was never served to me despite asking multiple times asking about it. When the case manager emailed me what Unifund submitted, I immediately filed objections because Unifund had commingled two different account numbers in their answer. I even listed which exhibits were for each account. It was VERY clear they were commingled considering there were documents on a $ XXXX credit card and a $ XXXX credit card with different credit card account numbers. We had our initial conference hearing in XXXX with the arbitrator. Unifund 's counsel either flat out lied to the arbitrator to try to confuse the parties or Unifund 's counsel did not take the time to read my objections that were served to her that spelled out which exhibits were for which credit card. Unifund 's counsel kept telling the arbitrator that I was lying and that ALL the documents were in reference to one account number. We got nothing accomplished at the hearing because Unifund 's counsel just kept calling me a liar and wouldn't give me time to talk. Needless to say, the arbitrator ending up making an award for both accounts because Unifund 's counsel kept submitting the documents for both. I never had a chance to even defend myself in the $ XXXX lawsuit because Unifund 's counsel either didn't look at the documents or was intentionally trying to confuse myself, the arbitrator and the court. I would expect more from an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Dear Consumer Financial Protection Bureau Had sold my house in XX/XX/2018, than few months later I received a check from my Mortgage company, ( Pacific Union Financial ) Balance of over payment of Taxes, Than I was out of the country on XXXX work and the check was placed in a drawer and 1 year was gone on this check, so my local bank said I need to just get the check re issued, so I tried contacting Pacific Union to get my Check ( money ) reissued to me, but I find out the Pacific union was bought out from MR COOPER, so I called them and they told Me no problem Mr. XXXX XXXX the check will be re issued, so 2 months go buy and still no check .. and today I called back the newly owned Company MR COOPER and they inform me that the money wont be re Issued because of a bankruptcy I had many years ago? and I said the house never was part of my bankruptcy and had nothing to do with this already issued check, and so I called my Attorney and was informed to Contact this agency. XXXX XXXX XXXX out of XXXX Wisconsin, I was informed even if it was anything to do with a bankruptcy it would get returned to the trustee. 

this Check ( XXXX dollors ) is My money Not Mr. Cooper, This is A check that already is a issued check from Pacific Union Financial Bank, closing statement on my personal residence house. the check is just now over 1 year old I was gone on XXXX work and went unnoticed. I asking for the Bank MR Cooper who purchased Pacific Union to RE - Issue this check, if not issued in a timely manor to pay me my added expense 's for my time and inconveniences to the law .. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX Make Check Payable to XXXX XXXX XXXX {$120.00} dollors -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Pacific Union Financial original loan holder now is MR COOPER XXXX XXXX XXXX XXXX, TX XXXX - XXXX Mr. cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Mr. cooper complaint address att. customer relations XXXX XXXX XXXX XXXX tx. XXXX Mr. Cooper phone - XXXX If you need any more information you can please e-mail my personal e mail - XXXX Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
The following company refused to provide me information pertaining to a debt in which I paid off. Upon completion of payoff, they refused to send me a " Paid In Full '' letter by mail and did not provide me any information or notification about their practices as to how I could request a copy of the debt or billing statement showing it was at a XXXX balance. When I attempted to call the agents and managers they played games, told me I had to send a request by email only and upon doing do said they responded stating they wouldn't send me the information to the email I submitted the request from. When I called to complain about the process the reps taunted me over the phone, used inappropriate responses and pretended they were going to hang up on me. It was extremely inappropriate and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: FL

Complaint narrative:
I have called Equifax many times to follow up on a dispute that was sent to them months ago that was FRAUD and they continue to play games and say they never recieved it or the ones that do say they recieve it refuse to dispute it. I spoke With XXXX today agent number XXXX she was very rude, would not help me with my disputes and refused to even look for any documents i had sent to them.

Company response to consumer: Closed with non-monetary relief