vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: MI

Complaint narrative:
I am currently in a chapter XXXX bankruptcy, and have decided to sell my home so I need my payoff amount to set the asking price. I called and was put into someone's voicemail on XX/XX/19. When I didn't get any call back I called again on XX/XX/XXXX and was told I didn't need to leave a message, I needed to fax a written request because they aren't allowed to tell me the amount over the phone. I sent that the same day, and didn't hear anything back. On XX/XX/XXXX I called asking the status and was put into a voicemail where I left a message. I called back again XX/XX/XXXX and asked to speak to someone, in person, and was told my paperwork was in " the specialists '' hand and would be faxed to me before the end of the day. Today I still have not received the paperwork, called and was put on hold for 24 minutes and then put into someone's voicemail. I called back and asked to speak to an actual person and was told that all the reps were busy, and put into yet another voicemail. In the last 2 weeks I have left 4 voicemails and sent the requested fax, and have not actually been contacted back by anyone from Movement Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: MO

Complaint narrative:
I've tried to work with TransUnion to remove credit inquiries that doesn't belong to me. It has been almost one full year in labor, in getting these inquiries removed. I have a police report on file and a court order, stating I was a victim of identity theft. I just called them again today, but to no avail. They keep sending out letters to the creditors to remove them the inquiries from my credit file. It has been a complete year now, and the inquiries are still on my credit file. I would like for TransUnion to remove all those inquiries from my credit file, because they do not belong to me.

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 2019-03-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COAST PROFESSIONAL, INC.
State: FL

Complaint narrative:
On XX/XX/2019 at XXXX XXXX, Coast Professional called my personal cell number. They asked for me. When I asked if they consented to the call being recorded they hung up the phone.This is the second time that Coast Professional has called me after I sent them a cease and desist letter that dictated that any and all future communications are to be in written form. This is also the second complaint that I have made through the Consumer Financial Protection Bureau. After the first complaint I received a reply that " At this time your account has been updated and placed into a no calls status. We apologize for any inconvenience this may have caused ''. This is evidently not the case and this phone call is in violation of section 805 ( c ) of the Fair Debt Collection Practices 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 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I owed {$870.00} to XXXX XXXX XXXX XXXX that went to collections some time in XX/XX/XXXX. I was laid off, and only worked part time until recently. With my tax return I intended to pay the bill. Sunrise Credit Services , Inc sent me a letter XX/XX/XXXX offering a settlement for 85 % of the debt on behalf of their client, XXXX XXXX XXXX XXXX. I accepted their offer, and spoke to a representative at Sunrise who took my payment of {$740.00} on XX/XX/XXXX. My check was postdated for XX/XX/XXXX, and cleared XX/XX/XXXX. My bill at XXXX XXXX XXXX reflects the payment, but does not show a XXXX balance. I spoke with several representatives at XXXX XXXX XXXX from XXXX to get the debt discharged as per the letter 's settlement agreement. A supervisor from XXXX XXXX XXXX told me XX/XX/XXXX at XXXX EST over the phone they are not going to honor Sunrise Credit Service 's stated agreement to settle the debt. I have filed a complaint with USPS for federal mail fraud, as this contract was sent through the federal postal service, and is not being honored by one or both parties. Either Sunrise Credit  misrepresented themselves as being an authorized agency for XXXX XXXX XXXX XXXX, which does not seem likely since XXXX XXXX XXXX received my payment through their office, or XXXX XXXX XXXX is fraudulent by not honoring their settlement agreement as authorized through their debt collector.

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 2019-03-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
In XX/XX/2017 I traded a XXXX XXXX XXXX for a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX CT. The dealership fail to send pay out payment. Do to this my credit reflect a 30 late payment. which is inaccurate since I was no longer responsible for the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 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: MO

Complaint narrative:
I have tried for 3 months to get Equifax to show me proof that the 2 account on my report are valid and they just send me a report says it's verified

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I called Equifax because I saw that I had drastic decrease of 61 point through XXXX XXXX. The representative refused to give me information unless I pay {$15.00} for a one time charge. The representative then quoted me a score under 600 after I paid and refused to explain to me why my score dropped. The representative the transferred me to a different representative who told me that his computer was not working and to call back in an hour. I have worked very hard on my credit and check it daily. After looking at the reason code through XXXX XXXX, Equifax notated that since I had a balance increase on my student loan with XXXX XXXX XXXX and they assumed I missed some payments. The truth is my loans are deferred and my new payments began on XX/XX/2019, so that there is no pass due amount. I pay all of my accounts on time and by Equifax dropping my score like this is an insult to my never late or missed credit card payments, never late or missed vehicle loan payments, never late or missed mortgage payments, and never late or missed personal loan payments. Equifax also removed one of my credit cards with XXXX XXXX  that I have paid on time for six months off of my credit report. The credit card was compromised and was cut off until a new card was reissued. I still have this account and it is in good standing. The account was NEVER closed and this has also hurt my credit score. I feel that Equifax reporting agency is unfair and seeks to hurt people who are trying to repair their credit. Please help me resolve this issue with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
This credit company has filed bad payment reports that have affected my credit score significantly, never had miss a payment and the bank lowered my credit limit taking away the available balance that was already payed, they keep bumping the fees and keep charging so they make it seem like the account is past due when it's actually been paid by the due date.

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 2019-03-01 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I filed a complain once before regarding an older account that I had with my husband jointly that I was forced to pay. He and I were no longer together and he was told by a judge not to utilize any accounts, yet he did and it was clearly for an item associated with him. A gym membership to be concise. XXXX   advised me to get a police report in order for them to take into consideration and I did. This time around there is Fraud on my report and that was reported not only to the police but the XXXX because an ID Card of some sort was made using Maryland when I have been a bonafide District of Columbia resident for over a decade. I am tired of having this affect my ability to bank within normal capacity and something needs to be done as it is unlawful to maintain a record of fraud on someone's report. I have not had any problems with companies that understand how the Fair Credit Act works. I am wasting time and resources fighting this agency and do plan to file a complaint with The Office of Attorney General today as well. I have given the police reports and formally written dispute via U.S. Mail.

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 2019-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was sent an application for a Citibank credit card. The application was denied. I received a notification through XXXX  that my available credit was decreased from XXXX to XXXX. As I stated earlier my application was denied and I never received a Citibank credit card. I had recently received a mail notification offering a reduced rate for a balance transfer. The card ending in XXXX. That was the information presented on the latest transfer offer. According to the information I obtained through XXXX  this account has been opened since XX/XX/2018. Without the entire credit card numbers closing is impossible.

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 2019-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Central Portfolio Control Inc.
State: AL

Complaint narrative:
Repeating calls to employer after being told not to call anymore. Calls personal cellphone constantly. Blocked number and now they call as Unknown number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In 2016, I was charged over {$1700.00} in overdraft charges after chase bank removed my access to mobile bank deposits. I have recorded conversations with bank employees, recorded with their consent, explicitly stating that the feature was removed due to low funding levels in my account, though no official guidelines were ever presented to me, despite multiple requests. My complaint is split into two parts : 1. ) Chase Bank utilized predatory tactics to remove mobile deposit from consumers who would most benefit from the feature. I was forced to incur heavy overdraft fees, many of which were returned when bank employees agreed that fees were caused exclusively due to the removal of that feature. After multiple instances when the bank agreed with my complaints and reversed fees, they continued agreeing but no longer had the capacity to reverse the charges. In one instance, when the city of XXXX was completely flooded and no street access existed to banks or atms, I was still charged a fee, even when I showed the ability to make a deposit as soon as the streets became accessible. Instances such as this occurred on numerous occasions, and each time employees told me that my feature had been removed due to a history of overdrafts, which was entirely created as a result of the removal, itself. This policy of removing the feature for customers with low or negative balances puts us into a purposeful loop of overdraft fees, which bank employees acknowledged as a known problem. 

2. ) I asked on numerous occasions to be given written or formal guidelines about my rights, as a consumer to utilize the mobile deposit feature. While in my recordings bank employees give vastly different answers about the terms of use, none could provide me with clear written rules. Who qualifies for that feature? When will mine be turned on? Why was the feature removed as a result of overdraft fees? All indicated that the feature was removed due to low funds or overdrafts, but none could explain why removal came as a consequence of those facts. Several employees agreed that this was an unfair practice and indicated that numerous customers called in with similar complaints over time. The second portion of my complaint is thus about the bank 's lack of transparency about customer terms of use. 

My recorded conversations with employees are from XX/XX/16, XX/XX/16, XX/XX/2016, XX/XX/16, XX/XX/16, XX/XX/16, and XX/XX/16. In total, throughout that period I was assessed {$1700.00} in fees, though {$500.00} were refunded by employees who agreed that I had done all I could to avoid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: CA

Complaint narrative:
My complaint is against trans Union. These accounts are more than XXXX years old and or not mine. For example, I moved in XXXX bought current property and an account was opened in XXXX. I was long gone. I disputed it and it stays on my credit report. Another example, I didn't know anything about a 2nd account and asked for copy of agreement for card and purchases. I got copy of statement from creditor, but nothing to show I did not open account, just monthly statement that I know nothing about. 
Yet, trans Union says it's my account This is way way in accurate. They should be removed.

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 2019-03-01 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: IL

Complaint narrative:
There are several fraudulent account & inquiries on my credit report. I have contacted Equifax several times providing police report verifying why this information needs to be removed permanently from my report. XXXX XXXX XXXX does not belong to me along with the following inquiries XXXX XXXX XXXX, & XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: VA

Complaint narrative:
This is a follow up to my complaint no XXXX. 

Please incorporate the facts from the previous complaint into this new complaint. 
The primary basis of this complaint is that American Advisors Group has provided the CFPB with false information in an attempt to undermine the CFPB complaint process. 
The XX/XX/2019 letter to CFPB is fundamentally false. The only true fact is that I participated in a conference call with AAG. During that conference call I asked for specific documents to verify the claims being made by AAG 's, XXXX XXXX, XXXX XXXX and XXXX XXXX. Despite several follow up emails I received no documents. 
The XX/XX/2019 letter falsely states the loan not approved. An email from AAG loan officer XXXX XXXX confirms the loan was approved and that is corroborated by a relephone message from AAG attorney XXXX XXXX. 

False statements to the CFPB show reckless disregard for the consumer and the system of public protection the CFPB has established.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
The first calls come at XXXX XXXX CST, and continue about a dozen times per day. I have XXXX part-time jobs and call when I have a few minutes in between jobs to call and set up an Income-Driven Repayment Plan, but am on hold waiting for a person for about an hour. 

Then when I'm at work again, the calls continue. And they continue from various phone numbers showing them from various locations around the country, predominantly coming from XXXX, Indiana.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
Prior to XX/XX/2019, XXXX put an unauthorized transaction thru my account. My bank reversed it. On XX/XX/2019 I went and gave them a letter of revocation of ACH/Debits/Checks..and they refused to accept it. They said they don't have to revoke authorization. 

Today another XXXX transaction hit my bank account. My bank will return the item but they need an understanding of revocation of ACH. They don't feel they have to honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery called me in XXXX around XXXX. They told me about a debt they bought and I paid it. Then they told me about a second debt they had. I told them I would pay it later 2-4 wks? But I got a job offer that required me to move and I needed the money I was going to pay the debt with. They called me once a month then once a week before I had the money again to pay them. I got angry and changed my cell phone number. However I applied for credit again and shortly thereafter XXXX  started calling me again, sometimes 2-3 times a week. I had received an email from them asking my permission to contact me that way and I agreed. After numerous calls, I emailed them rescinding my permission for all contact. When they kept calling me, I sent a letter. I answered a few of their calls and asked them to stop calling my personal cellphone. After they say they're collecting a debt they say they can not take me to court and it feels intimidating. If they can't take me to court bc of the age of the debt and I've asked them to stop calling me WHY ARE THEY STILL CALLING??? I DO NOT RESPOND TO HARRASSMENT AND INTIMIDATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 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: NY

Complaint narrative:
I received an email alert from Experian credit bureau telling me that my score has dropped by twenty points - from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. Upon inquiry with experian I was told by two representatives that it was due to a late payment reported almost seven years ago. Another representative told me it was due to inactivity for the past three months on my two open credit cards. This of course is not true since these cards are used on a daily basis for everyday purchases. I pointed out to the representative that I have not had any adverse report from the other two agencies ; in fact I have very high scores of XXXX and XXXX with XXXX  and XXXX respectively. The representative went on to tell me that there was nothing that could be done about it. I asked to speak to a supervisor who also reiterated that I can not dispute a credit score. 

I find it arbitrary and unfair that a consumer can be treated in such a fashion. This is a company that wields a lot of power over consumers and has the ability to affect a consumers daily life negatively! I truly hope I can have some recourse.

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 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was contacted about a debt owed to an apartment complex I never lived in. I contacted the apartment complex and the manager verified that the debt is not mine. I contacted the collection agency and they were informed by the apartment complex that the debt is not mine but they have not taken the debt off my credit reports and are still trying to collect for it.

Company response to consumer: Closed with explanation