vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just noticed unauthorized inquires reporting on my credit report and i tried to call the credit bureaus to dispute them and was told they can stay on my file for two years but i did not ask for my credit to get pulled.

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 2019-10-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX  XXXX never late INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I obtained a mortgage from XXXX XXXX in XXXX of XXXX. My loan was sold to PHH Mortgage in XXXX of XXXX to begin servicing XX/XX/XXXX. I have always made my payments online every month with XXXX XXXX without being charged any " convenience fees '', however, PHH is charging me a {$7.00} " processing '' fee to make my payment online or over the phone. The only way to avoid this fee is to 1 ) mail them a check or 2 ) set up auto debit ( ACH ) from my bank account ( which is exactly the same thing as paying online because my bank routing and account numbers are used for both so it makes no sense ). Basically, they bullied me into setting up my payments on Auto Draft, which I am not comfortable doing because : 1 ) I am straight commission and like to budget and pay as commissions are paid 2 ) I am afraid the draft might not pull due to computer glitch and 3 ) I don't want to pay {$50.00} for an overdraft fee to the mortgage company or my bank if my commissions are paid a few days later than the auto draft. I should have the right to pay my mortgage payment the way I choose without being charged. I called PHH on XX/XX/XXXX to complain. I told them that it was not my choice for my loan to be sold to them and I should not have to " pay '' to " pay '' my mortgage payment on my due date. They told me that the payments go through " XXXX XXXX '', who charges them. I expressed to them that they chose to partner with XXXX  and they should absorb the costs because a mortgage servicer 's responsibility is for the day to day management of my mortgage, which includes the collecting and crediting of my monthly loan payments. That's how they make their money. They shouldn't contract with XXXX XXXX if it dips into their profits. Also, I am concerned because the terms and conditions of my loan should not change and they did with this fee. My old lender did not charge a convenience fee to pay and since it was never disclosed in my original loan papers, they should not be able to do it. Furthermore, in my opinion, these " convenience '' fees are the same as " finance charges '' which changes my Truth in Lending APR. I feel like this is a direct violation of my mortgage agreement. I didn't choose to have my loan sold to PHH so it's only fair that I should not incur any extra fees. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Integrity Funding Ohio, LLC
State: NC

Complaint narrative:
On XX/XX/2019 I applied for a tittle loan I received a loan of XXXX but I was unaware that they used my boyfriend income for the loan I field out a application I told them I was unemployed at the time they told me that didn't matter I didn't not know they put me down as reiciveing SSI and ssa I don't receive any of these it was my boyfriend 's information so therefore I believe they misrepresented the loan now I can't get my tittle or tags and insurance for my vechile

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: IL

Complaint narrative:
After sending information to verify myself with my disputes, Experian has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX XXXX never late XXXX XXXX XXXX  XXXX  XXXX never late

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 2019-10-22 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-22 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: NV

Complaint narrative:
Starting back in XX/XX/2019, I started receving emails from True Accord. I have written 4 letters to them asking for the emails to stop and all communiation to be via USPS mail only. I have also asked for debt validation. True Accord has ignored my requests and keeps sending me emails on a frequent basis. It is annoying that they refuse to respond and stop the emails as I never gave them permission to email me. It is really difficult and upsetting to continue to receive these emails. And gosh, they even go to my employers phone thus giving my employer access to them as well. That is very unacceptable on many levels. I am just fit to be tied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Unauthorized credit inquires

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 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS

Complaint narrative:
I sent in a mortgage payment in access of my regular monthly payment. Fifth Third Bank applied the money only to my principle and not to my regular payment. They also charged me a late fee. It took several phone calls to get the situation rectified. Once I got someone to apply the moneys sent to my payment and then the overage to my principle I had to wait three days to confirm the changes were made to my account. When asked why they did this, I was told this was standard practice when large payments were sent in. When I asked how I make a complaint to the Consumer Protection Agency about this practice, the agent and her supervisor were unable to provide me with the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There was an error with my payment account and now my account has been closed when I've been a good customer. 
I'm very upset about the status of my account and how it's been handle by your company. I explained to the Rep I don't remember making an {$11.00} payment from the wrong checking account and you'll see that a {$50.00} payment was made the day before that cleared. It could have very well been human error, but again this is not good business. Again I've been a good customer for over 2 years and to penalize me for an erroneous {$11.00} payment with no warning is predatory to say the least. 
Lowe 's Credit Services XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
UNKNOWN INQUIRES MADE ON MY CREDIT REPORT, I CONTACTED THE COMPANY AND THEY ARE NOT WILLING TO REMOVE THE INQUIRES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: TN

Complaint narrative:
UNKNOWN INQUIRES MADE ON MY CREDIT REPORT, I CONTACTED THE COMPANY AND THEY ARE NOT WILLING TO REMOVE THE INQUIRES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital one keeps on reporting dispute remarks on my credit report also is not showing the car i have been paying with them on a loan. i have called and disputed this over the phone. my credit card keeps showing dispute remarks making it difficult to apply for any type of loan, credit card or i house i will be applying for in a few months. this has also transferred to the authorized users my father and girlfriend credit report. in XXXX  they have stopped to show my car and are not showing my capital one car loan. 

this is my car and credit card that i have been paying on time please fix this issue. 
i will complaint this to my local attorney general 's office just in case this has to go to court. 
i will keep copies of everything from this day forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX keeps on reporting dispute remarks on my credit report also is not showing the car i have been paying with them on a loan. i have called and disputed this over the phone. my credit card keeps showing dispute remarks making it difficult to apply for any type of loan, credit card or i house i will be applying for in a few months. this has also transferred to the authorized users my father and girlfriend credit report. in Equifax they have stopped to show my car and are not showing my XXXX   XXXX car loan. 

this is my car and credit card that i have been paying on time please fix this issue. 
i will complaint this to my local attorney general 's office just in case this has to go to court. 
i will keep copies of everything from this day forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/19 a hard inquiry was placed on my XXXX credit report from Bank of America. This inquiry was not initiated by me nor did I give anyone consent or authorization to apply for any 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 non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I had fraudulent charges made to my account at the end of XXXX from a perpetrator using my debit card information to make purchases on XXXX. I contacted XXXX, Bank of America ( the company I am filing this complaint against ), and the police to file the necessary claims and reports. Bank of America agreed to permanently refund the account on XX/XX/XXXX. On the morning of XX/XX/XXXX, Bank of America withdrew {$78.00} from my account calling it a temporary credit reversal, despite the fact that those credits were previously said to be permanent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION
State: VA

Complaint narrative:
On XX/XX/26 I opened a account with BBT to take advantage of the bright checking bonus of XXXX Offer XXXX. I saved the criteria to make sure I met the requirements. On two separate occasions I called my local branch and the XXXX and asked the timeframe of when it would deposited and did I have to do anything else. I was told to wait 60 to 90 days because I had already had the two monthly deposit of more than 100 from my direct deposit from my bank.Which was requirement within 75 days. I have been very specific to the tee to make sure I followed every requirement. Then today the rep told me my offer ID wasnt on my application. I specifically made sure before opening the account online the Id number was placed. I had several chats asking for the confirmation and requirements. This is simply false advertising and bad customer service. I have attached my phone records showing the calls that took place and want this escalated immediately when I've made sure to do everything correctly. This is deceptive business practice

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 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They called my father 's telephone number asking for me. My father told them that it was not my phone number. The gentleman on the other line asked for my new phone number ( which I've had for over ten years ) and my father said no. When I called to find out what was going on, the " Portfolio Recovery, LLC '' was asking for my social and other personal information. They looked up my father 's phone number and mine and were unable to find a reason for why they called originally. They'll called repeatedly and when I've called back to find out what they want, they are rude, demanding, and just overall nasty. They need to stop harassing my father and me for whatever they want. I don't owe them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Unauthorized credit inquires

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 2019-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XXXX XXXX I sent money to someone via Paypal that I found through a public forum group who posted that they have extra, legitimate tickets to an event. He proceeded to tell me they were legitimate and for me to send the money via " Friends '' option through Paypal for his " easy confirmation. '' A day later I still do not receive the ticket and realize he'd ask for a " Friends '' money transfer so that I will not be able to dispute this transaction as fraud or suspicious activity. I have record of our conversation on XXXX where his profile name is different from the Paypal name and evidence of him scamming me. People like this shouldn't be allowed to use Paypal. I contacted Paypal about it and I have no reply or even acknowledgement of the situation. I've only lost {$30.00} but my issue is that people like this are avid users of Paypal and are getting away with fraudulent activity. I have record of people posting on the same public forum that he has been posting to event groups about " legitimate tickets '' for a while. How can Paypal let this slide and keep him on their platform to continue scamming people? It's despicable. Turns out he clearly made this XXXX just to scam people, as I went back to screenshot our convo and he's deleted the account so that his replies don't show up. You can tell however, from the contents of my replies what the conversation was about. I even have a picture of the time of receipt/confirmation of payment via Paypal that I sent to him as proof of my " purchase. '' I proceed to ask him when he'll send my ticket and he fails to respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC
State: NM

Complaint narrative:
I have received several notices of a case filed in District Court stating garnishment of my wages is going to start. There is no indication anywhere of what the original debt even is or an account number anywhere on their documentation. It does not appear on my credit report and I work for a federally regulated XXXX XXXX and we can not locate this debt anywhere. I have read several reports that this company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: MD

Complaint narrative:
I received an alert from Experian, which stated that my FICO had dropped 25 points. I have been a victim of ID theft, so am very conscious of any changes. I was able to review the latest report, which shows no changes. I called x4 to talk to someone about what the drop is based on without luck. There seems to be no way to access an individual and the telephone prompts do not cover this problem.

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