vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: GA

Complaint narrative:
I XXXX XXXX XXXX applied for a loan with movement mortgage with my intentions on purchasing a loan for the purchase of my future home.. I applied for this loan on or around XX/XX/2018, and as of today XX/XX/132018 I havent closed on my home yet. I have respond to every email as well as produced everything to my knowledge that I could as well as spoke to the loan processor XXXX and the supervisor XXXX, to make this purchase as successful as possible. I made a abnormal payment of XXXX. Earnest money to secure my attempt of my purchase I have since lost my earnest money and has never been give a denial letter ... this is called to me a NEGLECT OF FUDICARY DUTIES AND I HAVE SUFFERED A GREAT LOSS. I am requesting a letter of denial as well as my XXXX. In earnest Money I have reached out to the Movement Mortage executive office several times and I have yet to speak to anyone to make this an peaceful effort I can be reached at XXXX or XXXX XXXX For more information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: CA

Complaint narrative:
As of XX/XX/XXXX, I had a TransUnion credit score of XXXX. On XX/XX/XXXX, my credit score dropped to XXXX, due to XXXX, XXXX, XXXX XXXX  XXXX fraudulently reporting an open collection account dated XX/XX/XXXX, with XXXX  XXXX. I filed a Chap. XXXX bankruptcy which was discharged XX/XX/XXXX. XXXX  XXXX, XXXX ( XXXX XXXX ) was part of the bankruptcy. I contacted TransUnion and XXXX, XXXX, XXXX XXXX XXXX. and telephonically disputed this erroneous account. I then mailed them a copy of my discharged bankruptcy documents showing that XXXX XXXX was a part of my bankruptcy. Between XXXX XXXX and XXXX XXXX, TransUnion removed the disputed collection account from my credit report, but they did not restore the full 97 points that they took away from me as a result of XXXX reporting this fraudulent open collection information to TransUnion.

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 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have noticed that Chase Card have placed an inquiry on my XXXX  and XXXX   credit file dated XX/XX/2018. When i was aware of this i contacted both Credit Bureaus and was told by the fraud team they cant dispute unauthorized hard inquiry 's. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Both XXXX  and XXXX report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my XXXX  and XXXX   file without my permission. I do hope that we can settle this matter amicably. 

You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX Original Creditor : XXXX XXXX Alleged amount owed {$2800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/18, I used the banking service XXXX to purchase {$470.00} worth of products from another individual. I determined the purchase to be fraudulent following several attempts to collect the product, one attempt being to request the product again as a different person. When the individual connected with me as a different person and tried to sell the product to me, I knew that I'd been scammed. I immediately contacted my bank - Wells Fargo, to stop the purchase or dispute the transaction. After being bounced around by two local branch bankers and three times through the customer service line, I was told that the  transfer had already taken place, and there was nothing at all that they could do for 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 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX Alleged balance owed : {$660.00} Original Creditor : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX called my mothers home at XXXX XXXX. She was interrupted from her sleep and I know this is FDCA violation.

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 2018-08-13 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: GA

Complaint narrative:
I HAD PREVIOUSLY SEND IN A CERTIFIED AND NOTARIZED LETTER TO THE CREDIT BUREAUS IN REGARDS TO INQUIRIES THAT WAS NOT AUTHORIZED BY ME. I ALSO SENT IN A IDENTITY THIEF AFFADAVIT AS WELL AND WAS STILL IGNORED THE CREDIT BUREAUS ARE IN VIOLATION OF THE FCRA IN REGARDS TO IDENTITY THEFT. THEY DO NOT EVEN READ THE DOCUMENTATION THAT I SENT TO THEM IT GOES SOMEWHERE IN A FOREIGN COUNTRY SOMEWHERE. I I JUST FOUND THAT OUT THEY ARE SENT TO SOME FOREIGN COUNTRY SOMEWHERE AND THEY DO NOT EVEN TAKE THE TIME TO READ THE CERTIFIED DOCUMENTATION THAT I TOOK THE TIME TO TYPE OUT THEY JUST KEEP SAYING THAT THE INQUIRIES HAVE BEEN VERIFIED THEN I ASK FOR VERIFICATION OF THE INQUIRIES AND THEY NEVER SEND ANY VERIFICATION BACK TO ME WHICH MEANS THEY ARE SUPPOSE TO DELETE THESE INQUIRIES IF THEY DO NOT HAVE SUPPORTING DOCUMENTS PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have noticed that XXXX XXXX have placed an inquiry on my XXXX  and Equifax credit file dated XX/XX/2018. When i was aware of this i contacted both Credit Bureaus and was told by the fraud team they cant dispute unauthorized hard inquiry 's. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Both Equifax and XXXX  report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B )  states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my Equifax and XXXX   file without my permission. I do hope that we can settle this matter amicably. 

You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have noticed that XXXX XXXX have placed an inquiry on my Experian and XXXX   credit file dated XX/XX/2018. When i was aware of this i contacted both Credit Bureaus and was told by the fraud team they cant dispute unauthorized hard inquiry 's. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Both XXXX  and Experian report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my XXXX and Experian file without my permission. I do hope that we can settle this matter amicably.

You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees.

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 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: ME

Complaint narrative:
EOS CCA XXXX XXXX XXXX XXXX MA XXXX Tel : None Available Alleged balance owed : {$190.00} Original Creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: WI

Complaint narrative:
I sent my first attempt for debt verification XX/XX/XXXX asking to provide me with proof of a signed signature with ERC which they failed to provide. I sent a second attempt for debt verification on XX/XX/XXXX asking again to provide proof of a signed signature with ERC since they are the reporting agency on my credit report. The negative information was removed but then later reinserted between XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring services. I sent a third attempt for verification sent on XX/XX/XXXX asked to have the negative files removed since they failed to provide proof of my signature with ERC. I finally sent them a letter which would be my final attempt on XX/XX/XXXX informing them of the actions I have to take since they're doing illegal practices by updating the date of insertion with a different name now listed from ERC to XXXX XXXX XXXX on credit files between the dates of XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing ( SLS ) is ignoring the " Qualified Written Request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). The request was submitted to them several times and as of this date, it has been ignored. This urgent matter has been ignored by SLS. All they care about is to take our home on XX/XX/18.

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 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solomon and Solomon, P.C.
State: ME

Complaint narrative:
Solomon & Solomon XXXX XXXX XXXX XXXX NY XXXX Tel : XXXX Alleged balance owed : {$460.00} Original Creditor : XXXX 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 2018-08-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Help me get them to apply the extra XXXX they received over 2 weeks ago to pay off a promotion. 

, I paid {$280.00} to pay off my promotion that ends XX/XX/2019. The balance on the XX/XX/2019 promotion and I paid {$280.00} more than 2 weeks ago and yet it is not reflected on my account. If my automatic draft deducts {$120.00} from my checking account on XXXX then it will be the wrong amount as I already paid off one of the promotions 2 weeks ago.

To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date I paid extra but they still didn't apply to my correct account. they did this before and I don't want my credit to suffer again from in correct billing XXXX XXXX : CustomerXXXX XXXX : Initial Question/Comment : Hello, I paid {$280.00} to pay off my promotion that ends XX/XX/2019. The balance on this XX/XX/2019 promotion is {$280.00} and I paid {$280.00} more than 2 weeks ago and yet it is not reflected on my account. 

My minimum payment is {$120.00}. which comes out of my checking account automatically but I called in and paid an additional XXXX to pay off a promotion. Now my account is being drafted again and that XXXX is not applied to pay off my promotion. 

They said I must pay off promotion before the expiration date or I will have to pay all the interest. I paid it early because they have done crazy billing practices that make me late when I have auto debit and as well as call in to make extra payments. Help me get them to apply the extra XXXX they received over 2 weeks ago to pay off a promotion. 



XXXX XXXX : SystemSystem : XXXX XXXX has left this session!

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 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
My complaint is with XXXX XXXX XXXX. They are trying to obtain an amount different than their correspondence claims. My original correspondence stated I owed them {$540.00} which I agreed to owing. I set up a payment plan with them for {$100.00} a month to be debited from my account after I had already mailed them a {$100.00} money order. Today in the mail I get notice that they will be drawing out another {$100.00} on the XXXX of the month. That will be {$600.00} that I have already paid to them. When I called them about this they stated that I set up the payment arrangement for this payment with a final payment of {$37.00} and change to be taken out in XXXX. I asked her what the additional amount was for because I've already paid them most of the debt they originally said I owed. This rep told me it was for {$86.00} in court costs plus {$4.00} in interest. When I looked back at the notarized copy of what we agreed up, the interest says {$.00} and the court cost line is left blank. According to this paper sent from their office I only owe the debt of {$540.00} I believe this is a violation of the fair debt reporting act in trying to collect more than the original agreed upon amount was. I don't have an issue with paying in full the original amount they gave me but feel it's unfair that they are now trying to tack on this random amount I knew nothing about. It was NEVER on any of the letters they mailed me about my debt. I had another debt with them prior to this one and they were given too much money which took me almost 2 months to be refunded to me. Their debt collection practices need to be looked further into. I don't feel as if I should owe this additional since it was not stated prior. I did tell the representative I will be closing the account they are debiting their payment from and send them the remaining {$47.00} and that will be my final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
In reviewing my credit report, I noticed a derogatory claim by a company named Receivables Performance. I contacted the company and in verifying the information they had on file, the have an incorrect address. This explains why I did not receive collection notifications.

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 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX Tel : XXXX Alleged Balance Owed : {$1300.00} Original Creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Tel : XXXX Alleged Debt Owed : {$600.00} Original Creditor : $ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: ME

Complaint narrative:
Hunter Warfield Inc XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX Alleged Debt Owed : {$4100.00} Original Creditor : XXXX XXXX XXXX  XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: GA

Complaint narrative:
I HAD PREVIOUSLY SEND IN A CERTIFIED AND NOTARIZED LETTER TO THE CREDIT BUREAUS IN REGARDS TO INQUIRIES THAT WAS NOT AUTHORIZED BY ME. I ALSO SENT IN A IDENTITY THIEF AFFADAVIT AS WELL AND WAS STILL IGNORED THE CREDIT BUREAUS ARE IN VIOLATION OF THE FCRA IN REGARDS TO IDENTITY THEFT. THEY DO NOT EVEN READ THE DOCUMENTATION THAT I SENT TO THEM IT GOES SOMEWHERE IN A FOREIGN COUNTRY SOMEWHERE. I I JUST FOUND THAT OUT THEY ARE SENT TO SOME FOREIGN COUNTRY SOMEWHERE AND THEY DO NOT EVEN TAKE THE TIME TO READ THE CERTIFIED DOCUMENTATION THAT I TOOK THE TIME TO TYPE OUT THEY JUST KEEP SAYING THAT THE INQUIRIES HAVE BEEN VERIFIED THEN I ASK FOR VERIFICATION OF THE INQUIRIES AND THEY NEVER SEND ANY VERIFICATION BACK TO ME WHICH MEANS THEY ARE SUPPOSE TO DELETE THESE INQUIRIES IF THEY DO NOT HAVE SUPPORTING DOCUMENTS PROOF

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 2018-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have credit card with Bank Of America. They closed my account because of late payments. I was responible customer, but acter my car accident I didn't was able to work almost one year. In that period of time I miss those late payments.

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