vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
ON XX/XX/XXXX CREDITORS AUTHORIZED MY REPORT WITHOUT MY WRITTEN/AFFIRMATIVE CONSENT.I HAVE 5-13 INQUIRIES ON MY REPORT BETWEEN XX/XX/XXXX-XX/XX/2018, AND IT HAS BROUGHT MY SCORE TO A LOW. I WASN'T AWARE OF THESE REPORTS AND MY SS # WAS USE IN A IMPROPERLY MANNER .ALL THREE BUREAUS WAS EFFECTED.

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 2018-11-29 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: FL

Complaint narrative:
EXPERIAN REFUSE TO UPDATE THE PAID ACCOUNT AS PAID EVEN WITH PROOF We have opened your Account Dispute The dispute for the account with XXXX/XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

Alert Details Alert Date XX/XX/XXXX Source Experian Date Submitted XX/XX/XXXX Estimated Resolution Date XX/XX/XXXX Report Number XXXX Account Number XXXX Company XXXX/XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms 6 Months Responsibility Individual Your Statement - Comments Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX FP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FP XXXX On Time 120 120+ Days Late 30 30 Days Late FP Failed to Pay 60 60 Days Late N Negative 90 90 Days Late Data Unavailable

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 2018-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX REFUSE TO UPDATE THE PAID ACCOUNT AS PAID EVEN WITH PROOF We have opened your Account Dispute The dispute for the account with XXXX/XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

Alert Details Alert Date XX/XX/XXXX Source XXXX  Date Submitted XX/XX/XXXX Estimated Resolution Date XX/XX/XXXX Report Number XXXX Account Number XXXX Company XXXX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms 6 Months Responsibility Individual Your Statement - Comments Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 XXXX 60 XX/XX/XXXX90 XXXX FP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FP XXXX On Time 120 120+ Days Late 30 30 Days Late FP Failed to Pay 60 60 Days Late N Negative 90 90 Days Late Data Unavailable

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 2018-11-29 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: FL

Complaint narrative:
XXXX  REFUSE TO UPDATE THE PAID ACCOUNT AS PAID EVEN WITH PROOF We have opened your Account Dispute The dispute for the account with XXXX/XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

Alert Details Alert Date XX/XX/XXXX Source XXXX Date Submitted XX/XX/XXXX Estimated Resolution Date XX/XX/XXXX Report Number XXXX Account Number XXXX Company XXXX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms 6 Months Responsibility Individual Your Statement - Comments Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX30 XXXX 60 XXXX 90 XXXX FP XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FP XXXX On Time 120 120+ Days Late 30 30 Days Late FP Failed to Pay 60 60 Days Late N Negative 90 90 Days Late Data Unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuse to remove outdated information from XXXX XXXX XXXX/ On the file is shows XXXX XXXX stating delinquency is from XX/XX/2013. 

FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: SD

Complaint narrative:
Discover Card opened an account using my personal information and then provided a credit card to another person other than myself. When I discovered this after receiving a credit alert, I contacted them to address the issue.XX/XX/2018. Upon giving them my personal information the agent informed me that the information did not match what they had on file and then asked if I had been a victim of Identity Theft. I had stated that I had been for several years and that was why there was a Credit Alert on my credit files. The representative advised that they has noted in the account and would transfer it to the Fraud Department and remove it from my credit file. I received 29 calls during the next 3 days regarding the same issue. Discover Card has continued to report the card as closed as it is still being illegally reported on my credit file as of today XX/XX/2018. They continue to change the amount of the alleged debt from {$1100.00} to {$620.00}. They continue to commit Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act Section 807-8, Violation of the Fair Credit Reporting Act Section 623-b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 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: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
I am fully ready to submit any documentations requested in order to fully support my claims and my case. 

My home and everything in it was completely flooded and destroyed on XX/XX/XXXX. Since that date, I have been diligently and carefully piecing my life back together, including rebuilding my house, replacing everything in it, and most of all, ensuring all of my bills are paid on time and all of my finances are in order. 

I first contacted XXXX XXXX about my situation in XX/XX/XXXX, where they then referred me to submit paperwork through their website to apply for emergency forbearance. Once I submitted this, I was approved due to the circumstances for deferment from XX/XX/XXXX - XX/XX/XXXX. 

What I was not initially made aware of was that XXXX XXXX was already reporting my accounts as delinquent to XXXX, who was updating this information to my credit report, and as a result, dropping my score dramatically. 

When I noticed that the accounts were being reported as late/delinquent, I attempted to dispute with XXXX, who quickly closed my cases and directed me to talk to XXXX XXXX directly. XXXX XXXX stated that their hands were tied since the delinquency was already reported during XX/XX/XXXX. 

I have always been an immaculate borrower and have never ever, NOT EVEN ONCE, been late on any payments on any accounts, EVER. I would have never even requested deferment if it weren't for the extreme circumstances as a result of the natural disaster. 

Please consider my statement and the facts I am presenting you to find an appropriate solution. My credit shouldn't be permanently tarnished due to this small hiccup as a result of a GIGANTIC natural disaster. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
My husband lost his job around the same time my hours were cut at work a year or two ago. I had 4 credit cards at the time. Due to English being my second language I ask my husband for help with taking care of our credit card debt. He made multiple calls to each credit card companies explaining our situation in detail. We asked for any forgiveness and if there could be any payment plans we could take on until we were back on our feet. With XXXX children we are pretty maxed out when it comes to paying all the bills with just one salary. None of the credit card companies would work with us in any way. Eventually my accounts were sent to collections when we could not meet the monthly minimum. Again tried calling the card holders and was completely shut down saying there was no arrangements that could be made. My husband and I both now have full time jobs and are moving in a great direction. However my credit score still suffers from a tough time in our lives when we had little to no control of what was happening in our careers. I complain simply because I did everything in my power to make things correct with these creditors and avoided bankruptcy at all costs. My credit score should make it aware that i do my best to make sure my bills are paid on time  and to the best of my ability

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account CAPITAL ONE AUTO FIN Opened Date XX/XX/2014 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE AUTO FIN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank has sent me a debt collection letter notifying me my account is overdrawn. The account is overdrawn due to TD Bank maintenance fees NOT due to my error. The account was drawn down to XXXX in XXXX and now I am being charged for an account that should be closed. I have written to TD in XXXX Maine with NO response to my inquiry. I would like this account closed and the fees waived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: VA

Complaint narrative:
Global client solutions llc tried to make payments and wont except what I can pay started out as owe XXXX now XXXX turned over to a lawyer now calls from them telling me what I have to pay I am on fix income and been XXXX don't no were to turn also a bank called XXXX  XXXX  wants XXXX its a on on thing calling going to turn over lawyer I told all them going in XXXX  XXXX XXXX  said wont except them!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
Diversified consultants is continuing to call & harass me despite me telling them everyday, MULTIPLE times per day to STOP calling me. 
Some of the phone numbers they're calling from are XXXX, XXXX & XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
RoundPoint Mortgage purchased my mortgage from prior lender. They have tried to raise my monthly payments by over {$700.00} per month but we paid a lump sum and it only went up about {$450.00} per month. The reason for the increase is because they say we had insufficient $ in escrow. I am over age XXXX and homestead my home. I do not agree with the taxes they are charging me. I have written them and no response ( documentation attached ). I have held for over 90 minutes only to get them to tell me they have no record of my correspondence. I have been hung-up on by the telephone staff. I have been refused multiple times for a face-to-face meeting with their local office. I can get absolutely no help from RoundPoint Mortgage and I can move my mortgage since interest rates are significantly higher now than when I bought my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
On XX/XX/2018 I attempted to pull my annual credit reports from the three bereaus using XXXX. The first one in the list, experian, did not work  however the other two did. I attempted to pull experian again and I get a generic error that other people on the internet seem to receive quite frequently as well. There is no method to contact them other than via mail. The phone number I was able to track down on the internet does not allow you to speak to another person and the automated phone system does not have an option for my issue. 

This is the error I receive : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX 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 non-monetary relief
Consumer complaint received 2018-11-29 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: SC

Complaint narrative:
Equifax is re-reporting a previously removed fraudulent collection account that was a result of identity theft. The account listed under XXXX XXXX XXXX was removed in XX/XX/XXXX, However, Equifax re-reported it in XX/XX/XXXX without notifying me. This is a clearly violation of the FCRA as they are not supposed to re-report a previously removed account without notifying me which they did not do. 
In addition, there customer service representatives were of no assistance and did not care that the account had already been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Borrower : my ex husband Full Power of Attorney : me. 

Court order granting FULL Power Of attorney to me, was transmitted to SPS by Previous Lender with Loan Transfer on XX/XX/2018. ) - as confirmed by previous lender on XX/XX/18 ) SPS CLAIMED DURING MULTIPLE PHONE CALLS, including today, XX/XX/18, that they did not have the Power Of Attorney on File. 
( Per statement of SPS Rep & Supervisor, of the XXXX FL location ) The Attachments evidence that SPS is : - 1. Blocking me from the account - Violating a Court Order by SPS 2. Denying the POA being in the file - False Claim by SPS 3. Failed to pay Town Taxes - Violation of Loan Terms by SPS 4. Caused Delinquency Interest to Accrue - Violation of Loan Terms by SPS 5. Added the Town Property tax to the account - Violation of Loan Terms by SPS AND Fraudulent action intentional to increasing monthly payment. 
Property Taxes have been escrowed since XX/XX/2018 with XXXX XXXX & the loan amount AND loan terms remained unchanged, under the terms of the transfer - Violation of Loan Terms by SPS 6. The SPS Mortgage monthly statement clearly shows that the monthly amount includes an Escrow for Town Taxes & Home Insurance.

Therefore the actions of SPS are ***intentional to fraudulently increasing the payor 's monthly amount in order to render the payment unaffordable and thereby fraudulently foreclose on this High Value Property *** - FRAUD BY SPS 7. I have been making regular & on time monthly payments on this loan.

The loan amount includes the escrowed Town Taxes that SPS did not pay & caused a delinquency - Violation of Loan Terms by SPS SPS bought this loan from Previous Lender, due to the high equity in the subject property & the Delinquent Tax Notification is intentional to SPS fraudulently foreclosing on the property and intentionally making the payor homeless, as SPS is aware from the Court Order that the Court granted the Payor FULL authorization on this account.

FRAUD + VIOLATION OF COURT ORDER +VIOLATION OF CO-OWNER CIVIL RIGHTS+ VIOLATION OF LOAN TERMS 8. The attachments & the OVER 241 XXXX Complaints against SPS, support my allegation that SPS is a SCAM company, their actions constitute Harassment and Intent to foreclose on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC.
State: IL

Complaint narrative:
I received a mailer from SunTrust Bank thanking me for opening a checking account along with checks and deposit slip with routing number and account number. I never authorized this. Then I called them and spoke with an agent who asked for the checking account number, which I gave her from the checks that were mailed to me, she then hung up the phone. This reminds me of what XXXX XXXX did so I wanted to file the complaint. I have attached a copy of the letter and checks and deposit slip mailed 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 2018-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My spouse called in my behalf to resolve my account and attempt to avoid defaulting on my account. I recently qualified for income based repayment but continue to be passed due on my account. I do not understand how i qualified for ibr but am still expected to make such an extravagant payment to make it current and avoid default. I need help. I am trying.

Company response to consumer: Closed with explanation