vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-10 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: U.S. BANCORP
State: OR

Complaint narrative:
Dear Creditor, I recently received a copy of my  XXXX  credit report. The credit report showed a credit inquiry by your company on  XXXX   XXXX ,   XXXX   and  XXXX   XXXX ,   XXXX   that I do not recall authorizing. I 'm positive that I 've personally never applied for credit through your institution. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file.   I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this.   Thanking you in advance,  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 2017-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I applied for a loan modification on my mortgage  XXXX / XXXX / XXXX  due to loss of income from my son turning  XXXX . SS was due to income because my husband passed away  XXXX . I was told by SS when my older son graduated the difference would go to other son. However that was not the case. I was approved for  Modification   XXXX   XXXX ,  XXXX  in which my payments became affordable. I signed all docs and returned them. I have been making the payments that have been agreed upon.  XXXX   XXXX  I received call from Mortgage company advising they where to send new docs. New docs where sent out and received them  XXXX   XXXX  via  XXXX . Upon reviewing MOD was changed and payments increased. I was told never told why I was getting new ones. I took info to agency that helped me get MOD. I gave them authorization to request info. She was told mistake was done in  1st  MOD since property is MH. I was finally told by Mtg that yes it was a mistake also. My payments have been made and have been accepted by Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SMS Check Recovery LLC
State: OH

Complaint narrative:
On  XXXX / XXXX /  XXXX   I received a call from a supposed company called "  XXXX  ''. Not only did the lady call my phone, she also called my parents house looking for me. She called my mo, first and told my mom that this coming Friday she was either coming to my residence or my job with " papers '' for me to sign and if I did n't sign them then I would be going to court. After she called my mom, she called my phone and told me that if I did n't call this number  XXXX   XXXX   XXXX   XXXX  that she would be coming to my home or my job. I called the number and mentioned the file number she gave me which was  XXXX  and spoke with a  XXXX .  XXXX  said she worked for SMS recovery which was a pre legal service/attorney office. She said she was representing  XXXX  and that I owed  XXXX . I asked them what kind of company this was and she said a legal company representing  XXXX . This company called my elderly parents issuing threats against me to " subpeona '' me to court which upset my parents. This is totally wrong and unlawful

Company response to consumer: Untimely response
Consumer complaint received 2017-05-10 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: NY

Complaint narrative:
Over the past few years I 've been disputing an outstanding collection on my credit reports with experian and XXXX. The situation is i purchased a cellphone from XXXX through XXXX XXXX XX/XX/2014. I was told there was a 14 day return policy if i did n't like the service. The service was horrible and i returned the device. I was told the account was returned and close as i was switching back to XXXX.  Down the line a receive mail stating I owe XXXX XXXX XXXX for something that i returned and do not own. I returned to XXXX XXXX to get a copy of the retiring receipt which i forward to the collection company ( XXXX XXXX XXXX and the Reporting agencies ) I would like these accounts removed from my report being that i followed all guidelines of returning the device.

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 2017-05-10 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: NY

Complaint narrative:
Over the past few years I 've been disputing an outstanding collection on my credit reports with  XXXX  and equifax. The situation is i purchased a cellphone from  XXXX  through   XXXX   XXXX    XXXX   0f 2014. I  was told there was a 14 day return policy if i did n't like the service. The service was horrible and i returned the device. I was told the account was returned and close as i was switching back to  XXXX . Down the line a receive mail stating I owe  XXXX   XXXX   XXXX  for something that i returned and do not own. I returned to best buy to get a copy of the retiring receipt which i forward to the collection compa ny (   XXXX   XXXX   XXXX  and the  Reporting age ncies ) I would like these accounts removed from my report being that i followed all guidelines of returning the device.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: Sierra Holdings LLC
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible sierra finance  XXXX / XXXX / 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I am writing in hopes of getting some satisfaction with regards to a foreclosure process gone crazy.     I had a deceptive Loan Originator give me a Home Equity Line of Credit I did not ask for. Unfortunately, due to a family medical emergency had to use.     Paid on it no problem, after being a Primary care-giver for nearly  XXXX  yrs. ( and not working  )  my  XXXX  passed, the next year Bank of America tripled my payment. I could not afford this and tried to get it modified, they kept changing the person I sent docs to and kept having re-do everything. This went on for months, then they said we ca n't offer any hardship programs because you are a good pay. You will have to stop paying in order for us to do anything.     So I did, then they started with foreclosure letters, then mandatory mediation before foreclosure. Spent months in this program, finally back working, now I do n't ( ca n't ) qualify because they are adding in all their extra late fees etc. and now want {$1500.00} a month.     Btw, this whole time, I have been a customer for  XXXX . NEVER late on my primary mortgage.     Now, they have blocked my account, I am trying to get reinstated and they have added over {$5000.00} in fees to a {$4700.00} past due. While trying to see if they could waive any of them, the figures became outdated?  ( 10-15 days )  NOW they want to charge me {$13000.00}?????????????? BUT, they wo n't even let me wire anything because, well, I do n't know why.     HOW can they continue to get away with this treatment of customers??? IF you ca n't help me WHO CAN??? Please I am absolutely devastated and now apparently broke as well.     Sincerely,  XXXX   XXXX   XXXX  day # m, w, th, fr -  XXXX  home #  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 non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On  XXXX   XXXX ,  2017 , I signe d up ( o n-line ) to join the  XXXX   XXXX   XXXX   XXXX . I was expecting a bill and a membership card in the mail. Instead, I was signed up for a credit card with Comenity Bank. In  XXXX , I started getting collection calls from Comenity bank. They told me to contact  XXXX   XXXX , who told me to contact Comenity Bank and round and round about  XXXX  times.     Next, I asked the collection callers to open a dispute. They said the form would come in the mail. It did not. I asked them again and they emailed it to me. I kept them on the phone while I filled it out and mailed it. Now the dispute is closed and they ca n't seem to explain why, except they still want money from me and the collection is still on my credit report.     They have wasted hours and hours of my life. I have attached the initial emails from the club, welcoming me as a member and giving me a membership card. No mention of a credit card ... I 've also attached the first emailed notice from Comenity bank, just sent yesterday. All other contact from the bank has been by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On  XXXX   XXXX ,    2017  I opened a citibank checking account under a promotion that required an opening deposit of {$15000.0 0} ( and keeping a balance of {$15000.00} for 30 days ) +  either  XXXX  direct deposit OR {$250.00} in debit card purchases within 45 days. On  XXXX   XXXX ,    2017  ( the last day of my 45 day s ), I made   XXXX   pu rchases with my debit card (  XXXX  ) receipts are attached. I went into a branch between those  XXXX  purchases to ask if that would be a method to fulfilling the promotion requirements. I was assured that I would qualify.     The promotion was NOT advertised as the purchases needing to post ( as stated in their investigation let ter ), I wa s assured by a branch representative at the  XXXX   XXXX   XXXX ,  XXXX   XXXX  branch that I would qualify ( there should be a record of my visit because I also came in to reset my password and they looked up my charges and told me to make the additional purchase before  XXXX  PST/ XXXX  EST, the purchases showed pending, I 've also attached a copy of an email with a citibank representative that acknowledges that at least the  XXXX  purchase was made on  XXXX / XXXX / 2017 .     The investigation letter is counter to the earlier email that acknowledges the {$140.00} purchase being counted as being made on  XXXX / XXXX / 2017 . The additional {$150.00} was made in the exact same manner, PLUS after getting confirmation from a citibank branch representative that the earlier charge was being shown.     The actions of citibank DO NOT line up with the terms advertised, contradict themselves and seem intentionally misleading.

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 2017-05-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Problem with fraud alerts or security freezes — 
Company: KEYCORP
State: NY

Complaint narrative:
A collections attorney has frozen funds in my CD account at Key Bank.   They obtained a judgment against me without proper service and I am in the process of having that reversed.   The debt came from unpaid bills from my previous employer that went bankrupt. I was not a owner in that company but I signed the checks. The collections company did not have success going after the bankrupt company thus they came after me.   When I received notice that Key bank has been instructed to freeze funds, I called the owner of the food supplier and questioned why he did this since he knew I was not a principle of the company that owes him. I told him that they froze approx. {$30000.00} and I do not have that money in my savings account. He contacted me the next day via text message that I lied and I have {$200000.00} in my account. That  XXXX  is my investment CD not savings yet how does the collection agency and their client know that I have $  XXXX  in my Key Bank CD?   I called  Key  Bank and they would not discuss the situation with me thus I have chose to file a complaint about my bank and how my personal info was given to the collections agency?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
On  XXXX / XXXX /  XXXX   I received a call from a supposed company called "   XXXX   ''. Not only did the lady call my phone, she also called my parents house looking for me. She called my mo, first and told my mom that this coming Friday she was either coming to my residence or my job with " papers '' for me to sign and if I did n't sign them then I would be going to court. After she called my mom, she called my phone and told me that if I did n't call this number  XXXX   XXXX   XXXX   XXXX  that she would be coming to my home or my job. I called the number and mentioned the file number she gave me which was  XXXX  and spoke with a  XXXX .  XXXX  said she worked for   XXXX   XXXX   which was a pre legal service/attorney office. She said she was representing  checksmart  and that I owed  XXXX . I asked them what kind of company this was and she said a legal company representing checksmart. This company called my elderly parents issuing threats against me to " subpeona '' me to court which upset my parents. This is totally wrong and unlawful

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I have been trying to get a loan modification for my property since  XXXX  of last year every time I submit the documentation they require I 'm always told it is missing something I have submitted bank statements resubmitted letters resubmitted application forms on a timely basis I resubmitted bank statements that were missing page number  XXXX  from my  XXXX   XXXX  and  XXXX   XXXX  bank statements only to be told they still have n't received them. This is getting to be a regular habit with them my  XXXX    XXXX   case manager has helped me through this process and has all the documentation that she has submitted on my behalf with my permission the representative of the bank I spoke with stay that she 's still missing complete I 'm difficult to believe because they were submitted in a timely basis I am running into obstacles on a consistent basis I need help if I become homeless I 'll be in  the street this is serious I have nowhere to go and there are no homeless shelters ava ilable I 've checked thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I 've submitted multiple request to have a child support account updated ; it appears on my reporting twice. I 've called my state agency and they said Equifax has to fix it and they are known to do this in the  State  of Oregon. Please help me ; it shows up as  XXXX  negative accounts ; impacting my credit score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: Credit Plus Inc
State: MS

Complaint narrative:
I submitted a letter t o Credit Plus inquiring ab out an inquiry on my credit report that I have no knowledge of. I received a response that stated I authorized  XXXX   XXXX   XXXX   XXXX  to pull my credit. I have NEVER applied for a mortgage I have no knowledge of authorizing this and asked it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
This creditor shows up as original creditor being owed on all  XXXX  of my credit reporting when it was sold to collection agency. They can no longer report this debt as theirs and the company will not remove from my reporting. I 've worked with them through all  XXXX  credit agencies and they will acknowledge this debt as paid in collections. Please help 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 2017-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc.
State: CO

Complaint narrative:
My wife and I are attempting to purchase a home. During the pre-qualification process in early   XXXX  2017   , we were notified on a collection on my  XXXX  credit report. I contact  XXXX  and initiated a dispute as well as contacting the collection agency  (  Aspen National Collections ). I was informed the process would take 30 days. I contacted the collection again in early   XXXX    2017  and was told the debt was discharged and my credit report would be cleared by  XXXX   XXXX  on   XXXX   XXXX  2017   . I contacted Aspen National Collections again on    XX/XX/XXXX    and was told by  XXXX   XXXX  that the debt was still owed. No one will send me any paperwork on the debt as to why, how or when it was incurred. After contacting the original creditor (   XXXX   XXXX     ), I have discovered this debt belonged to my deceased mother,   XXXX   XXXX   It was for maintenance fees on a time share she had once owned. I never agreed to any purchase by   XXXX   XXXX   for any time share. I need to get this issue revolved as to not affect the purchase of our new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
On  XXXX   XXXX ,  2017  our credit union sent a payment t o Capital one   XXXX .  XXXX   XXXX   XXXX , NC  XXXX . The amount was  XXXX . That check was lost. We attempted to have the company find the check with no resolution so we had the credit union issue a second check, same amount this was sent   XXXX   XXXX   to obtain a signature. That was received and signed for but the check was never applied and we can only assume it was lost? The company has done nothing to remedy this situation and is threatening to report the late payment to the credit bureau which will affect our score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just got off the phone with a rep from Experian checking on the status of a dispute submitted back on  XXXX   XXXX  via mail certified return receipt request and she stated that my dispute was not received and the last dispute the see was from  XXXX   2017 . So now I am confused because someone at  XXXX  signed for my dispute so i am not sure if it was discarded. This is upsetting me because if someone mails in a dispute it needs to be acknowledged and worked on. I am attaching a copy of the dispute sent which was the second request. i will be sending  a 3rd requ est this week if there is no resolution.

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 2017-05-10 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: DE

Complaint narrative:
Experian continues to report fraud accounts after my numerous disputes with them and the creditors and all experian says the information is correct and verfied to me because my name and addrs and personal information was used to obtain these fraud accounts for  XXXX  #  XXXX    XXXX   XXXX   #  XXXX   XXXX  #  XXXX   XXXX  #  XXXX  and   XXXX   XXXX   XXXX   XXXX   #  XXXX  experian has dont nothing to resolve the matter after years of disputes with them and their lack and neglect on preventing fraud resolution.

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