vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-09 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2017 my credit report shows a hard inquiry from XXXX/XXXX from XXXX Florida..I never applied for any credit with them I called the number listed on the report and I spoke with a same who states they do not even offer credit for airlines? Please is there anyway I can have this removed from my credit?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not understand how this bankruptcy is listed on my credit file. How was this validated? I have disputed this several times and no outcome. I want this removed it is outdated and non verifiable Bankruptcy # XXXX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 2018-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I found out there is a transaction from XXXX  that billed on my Paypal account, the amount is {$380.00}, this amount has been deducted from my Paypal balance, no credit card involved. I didn't recognize this transaction, so I open a dispute case with Paypal.

After few days, on XX/XX/XXXX, Paypal informed me that they think the transaction is not unauthorized, therefore they can't issue me refund.

I've contacted Paypal, they said there is no way to re-open it, I have no choice but to contact CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not understand how this bankruptcy is listed on my credit file. How was this validated? I have disputed this several times and no outcome. I want this removed it is outdated and non verifiable Bankruptcy # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not understand how this bankruptcy is listed on my credit file. How was this validated? I have disputed this several times and no outcome. I want this removed it is outdated and non verifiable Bankruptcy # 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 2018-04-09 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: MS

Complaint narrative:
I recently received a copy of my credit report and saw that there is a hard pull on my credit from your company. 

I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. 

Therefore, I believe that I am a victim of Identity Theft. 

Please contact the credit bureau at once and have this had inquiry removed. 

Please send me confirmation that my request has been honored. 

Thank you for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I started to get billed from XXXX XXXX for a card I did not open. The bills started coming in XX/XX/XXXX. I called them and told them I did not apply for, receive, or use the card. They investigated and I received a call, in XX/XX/XXXX, stating that they were able to close the investigation and remove it from my credit score.

In XX/XX/XXXX, I received a later from a collection agency stating that they were attempting to collect a debt. I called and explained the above. I never heard from the agency, but the debt was removed from my credit history. About a month ago, XX/XX/XXXX, the debt has reappeared and I am in the process of disputing it again. Last week I was sent a notice of collection of debt. I called the agency and they do not want to hear it and said I am not able to dispute it and I must pay it.

As a result, Sychrony closed my active XXXX/ XXXX XXXX card for delinquency.

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 2018-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Applied for CHASE IHG credit card with promotional offer of one free night at any property upon renewed annual year on XX/XX/XXXX. Chase has recently changed the terms to properties less than XXXX points and has also excluded certain properties that are under XXXX points. As of now Chase is honoring this certificate for those who applied between XX/XX/XXXX-XX/XX/XXXX and nothing before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Quicken Loans ( now doing business as Rocket Mortgage ) did hard pulls on my credit information ( multiple times ) without my consent.

We are on our 3rd loan with the company. After the loss of a job, they were sending information saying they might be able to save us money on our mortgage. We responded with a phone call. On the phone, I was very clear that I was only checking in and that I was not sure their selections would save us any money since we already had a good rate.

I was also clear that I did not want them to pull a hard credit inquiry. I was told they would not do this because we already had an existing loan and quite a long record with them.

Not only did they pull a credit report, they pulled a 2nd report 2 months later. Neither was authorized in any way. They had asked me ( by email ) to go to their website and fill out an " intent to proceed, '' which I did not do because we decided against the refinancing.

When I checked my credit report I contacted the company about these pulls because of the conversation where I was told there would be no credit pull. The VP of the company said their recorded phone calls did not go back far enough for her to verify that conversation, therefore she could not do anything. I reminded her that it is against the law to pull a report without permission and that, if her records don't go back far enough to verify our conversation, they don't go back far enough for her to verify that her company had permission to do these pulls.

Her stance is that, based on the phone call, I gave implicit permission. I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
Recently I noticed that XXXX XXXX had not released my mortgage payment to TheMoneySource as scheduled. I called in onXX/XX/XXXX as soon as I was aware and before TheMoneySource contacted me in regards to my payment. I made a payment over the phone and explained the situation and the representative assured me that this would not be an issue, a day later, upon requesting a credit history TheMoneySource is reporting it as a thirty day late in XX/XX/2018 and ruining my credit. I have since contact TheMoneySource LN XXXX and was told that I needed to dispute the late, so that is what I am actively attempting to do. My payments are made on time every month and this is an unacceptable way to treat a longtime client.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
In XX/XX/XXXX- XX/XX/XXXX my son XXXX  attended XXXX XXXX XXXXXXXX XXXX XXXX . He had taken out a student loan and I do remember co-signing. Not sure of anything else, it was in XX/XX/XXXX. My son made the arrangements to repay his loan. I was going thru a divorce and filed bankruptcy in XX/XX/XXXX. I completed the bankruptcy in XX/XX/XXXX. After the bankruptcy, I started getting notices from Navient. Never heard of them before. I received e-mail, mail, and phone calls telling me what I owed and what my monthly payments are. When I called they would say XXXX   's account is up to date. I spoke with Navient on several occasions to send me a copy of the amount borrowed, interest, penalties and terms. Because as far as I know I only co-signed XXXX 's loan. I spoke to several people. This is totally confusing to me. One says if I pay {$50.00} they will stop it from going to my credit report while they get the information I requested. Another one tells me I have to catch up with one time payment of over {$1400.00} and than my monthly notes would be around $ XXXXOn several occasions the callers was very rude. I stopped answering the calls after I told them I will discuss this matter after I get the information I requested. I get calls starting as early as XXXX XXXX to as late as XXXX XXXX including weekends. I've called several times to explain that I am not comfortable paying out money over the phone to a company that will not provide me with the information on the account ( s ). If you are collecting money they should be able to provide the information. My personal data has been compromised twice in the past 4 years.I don't know if this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed {$270.00}. towards unapplied funds.

On XX/XX/XXXX I paid $ XXXX.towards XX/XX/XXXX 's Rent On XX/XX/XXXX I money gramed {$85.00}. towards XX/XX/XXXX's Mortgage.

I was told I would not be charged a late fee and I was.charged {$75.00}.

I called 22 times to still not have my payment showing for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
GM Financial continues to report inaccurate information on my credit report. I have filed disputes, left messages, faxed over credit reports as well as bank statements, but to no avail. I continue to get the run around from the credit and customer service dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09 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: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, an account with Citibank was sold to a third party company named XXXX XXXX XXXX Account was settle with XXXX XXXX, PAID IN FULL. {$640.00} was the amount paid to settle this account. Citibank is still reporting this account as chargeoff/collections account. I have tried contacting Citibank, who in turn, gives me the run around and different other companies to call. My recent call was on XX/XX/XXXX and once again, I was given the run around, transferred from one department to the next, back to the previous department and so on. I went so far as to contact XXXX XXXX XXXX again in regards to the status of this account. I take great value in my credit and have made my mistakes. I would just like this situation cleared up. I am waiting on a company of the Paid in Full letter to be resent 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 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My loan was transferred from XXXX to Cooper in XX/XX/2017. I have always been paying XXXX  well in advance. So when I made a payment on XX/XX/XXXXto XXXX, they applied my payment for XX/XX/XXXX month. I was away in XXXX during that time, and my payment was going directly from my Bank to XXXX. When XXXX transferred the loan to Cooper in XX/XX/XXXX. My XX/XX/XXXX and XX/XX/XXXX payments were sent to XXXX and, XXXX in turn transferred it to Cooper. XXXX  has confirmed it and has sent the evidence which I have forwarded to Cooper. But Cooper says they received only one payment from XXXX, and Cooper has been charging me with fees and also took additional payment from me. I have been in contact with a bunch of Cooper representatives and it supervisors, since XX/XX/XXXXon both phone and email exchanges, but of no use. I literally spend more thnn an hour talking to these guys, and they keep asking telling me it is being researched. Iam very frustrated and fed up and Iam finding it difficult to sleep because of this nagging issue going on for the last three months. I would highly appreciate if you could help me and resolve this issue quickly. I have all the documents and proof needed from XXXX regarding the payments.

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
About three months ago XXXX XXXX XXXX called me and stated that I owed them a balance on this Credit Card for XXXX XXXX XXXX. I stated that I dont have an account with this company. He asked me questions about the purchased items on the card which were to gaming stores. I told him I have never purchased these items. He then told meet I must have the person. Then about a week ago, another man called me about the same account, he was demanding payment so I went through the whole story again. I requested documents showing this information and sent a statement and a letter. The only thing that I can see is my name, the address is wrong it is stating I live in XXXX, I have never lived in XXXX. The one document that you need to see is the original application, which they did not send.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northland Group Inc
State: MA

Complaint narrative:
This company has no legal right to collect any debt they are claiming. They have left harassing phone calls and called from a block number stating that they would ruin my credit and sue me, and attach my XXXX pay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Jet Direct Funding Corp
State: NY

Complaint narrative:
I used XXXX XXXX XXXX  to purchase a home. Through the process, I discovered I was given false information including closing costs and down payment. In addition, they shared my credit information with outside parties and ran 7 hard inquiries on my credit which lowered my score to a XXXX by closing.

I complained several times to the person of contact I was given with no resolution. I have all supporting documentation for this claim, including emails to Jet Direct, my closing attorney and all parties involved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
XXXX XX/XX/XXXX. I closed on my new home the mortgage company was XXXX XXXX. I made my first payment to XXXX XXXX and then the loan was immediately sold to Mr. Cooper ( XXXX XXXX ). I proceeded to make each payment to Mr. Cooper and they have records to show each payment. 

Around XXXX XX/XX/XXXX, started receiving late payment notices from Mr. Cooper. I call Mr. Cooper several time to resolve this each time getting a different person and having to start from the beginning. 

One customer service person did try to stick with me and fix the problem because like every person that I spoke to at Mr. Cooper they said this made to sense. 

She figure out that Mr. Cooper didn't receive the first payment from XXXX XXXX  and that they need to get those funds transferred. XXXX finally sent the Principal but not the escrow. Mr. Cooper knows that the problem is between them and the company that they bought the loan from, but they still threatens me with foreclosure. messed up my credit and will not take my payment for the month of XXXX without penalizing me with fees. 

I don't appreciate they way that they are treating me, they know it not my fault. This is the 3rd home that I have owned and never has been late on my Mortgage, And even now I feel that I am being extorted for extra cash, because they don't have to answer to nobody and they know the fault is withe Mr. Cooper and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
My VA loan was sold to Freedom Mortgage in XX/XX/XXXX. In XX/XX/XXXX my taxes were due and Freedom Mortgage did not pay them. It is their policy that they analyze the escrow account within 60 days of receiving the loan and they did not. I called them in XX/XX/XXXX to let them know I paid the tax bill and never received an escrow analysis. They submitted the request and said it would take up to 30 days to analyze. I called after 30 days and nothing had been done. A supervisor put in a request to escalate the situation and contact me within 24 hours. No one contacted me. I called back a week later and again they are submitting the request and it could take another week. I've been told this over and over. They are holding way too much in my account, more than the 2 month cushion and are not following through on their promise to analyze my escrow account. It takes between 20-30 minutes every time I call them and to have no resolution is frustrating.

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 2018-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My wife and I have consolidated loans on an Income Based Repayment plan. The amount due each month keeps changing. We usually pay online but last month Navient made changes to their website so that it will only accept amounts equal to, or greater than, the minimum amount due. The problem is that the minimum amount due is 84 % higher than the payment plan. 

We have made a couple of these almost double payments but will be unable to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
This company has contacted me twice. As you can see they've used my name, social security number, and signed my name without my permission. They've sent two letters to me without any indication of what I owe them, from what company or any other data. This is a scam of a company. See below and attached to view the information and letter I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been struggling to repay a private student loan for over 8 years. I have been contacted through Navient and two account recollection companies during this period of time and because of the type of loan it is, have not been able to get any type of relief or anything. I have been in flux with employment and it seems that the private branch of Navient and one of the account recollection companies do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: CITIBANK, N.A.
State: VA

Complaint narrative:
They keep calling looking for my mother, This is my home my phone #, I told them take my number off your call list and never call me again. The first person just hung up on me, They called again I talked to a supervisor told her the same, Do not call, wrong person, wrong number, she asked if I was a lawyer, made a " scuff '' sound in the phone and hung up. Got called again, and spoke with a XXXX XXXX, asked her if any notes on the account mention not to call. She just hung up on 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