vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX,2017 numerous disputes were sent out to the 3 credit bureau about unauthorized inquiries on credit report. i also sent out certified mail 's to creditors no response. XXXX inquires on XXXX. XXXX inquires on Experian credit report. XXXX inquires on 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 2017-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
I received a call from XXXX XXXXXXXX XXXX demand the balance of an account for about XXXX. I updated my information with the representative. I am aware I fell behind with some creditors. My contact phone number was verified as well as home address. We did discuss arrangements. I did advised the representative that I need to look over my paperwork at home as well as my finances. They did try to reach me later that week, but I was not at a place I could discuss the matter, or unable to answer my phone at all. Then they started contacting family members to reach me. Which is a violation under the FDCPA. We had verified contact information previously. There was no reason to believe the voicemail that IDs me was incorrect, nor was there return mail from my address. I have since requested information via mail only. 
I have since emailed them twice to validate the account that was purchased by a third party. They have failed to validate the account with information pertaining to the fees that have incurred and applied. Also they have not removed it from my credit if the charges and balance ca n't be verified. 
First request was emailed on XX/XX/XXXX and second email was sent XX/XX/XXXX. 
As of the second email, the company has not validated the debit properly, but still reporting it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Many weeks ago, an individual named XXXX from Ford Motor Credit called about another individual 's account and did n't say why she was calling. I told her it 's probably illegal for her to be calling me and told her not to call again. She called me again minutes ago. I 'm pretty sure that 's harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST NATIONAL BANK OF OMAHA
State: SC

Complaint narrative:
I paid my balance with FNBO on X/XX/17 ( see attachments ), but I continue to accumulate late payments on my credit report ( see attachments ). I demand that these late payments be removed. This is a violation of the FCRA. If I do not get results here, I will sue them again.

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 2017-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Manor Resources, LLC
State: CA

Complaint narrative:
I 'm being threatened with repossession over a {$10.00} late fee. I 've paid it once, because I did set up the payment late. the biggest issue is the interest rate. The rates were presented as 3 % but when I received my paperwork, the interest rate is much higher. I recently paid off any out standing debts that were not included in my bankruptcy 3 years ago. I 'm trying very hard to get back on my feet and they are completely unreasonable. 
I have payments sent via my credit union 's bill payer service and there was a glitch last month. the payment arrived a few days later than scheduled to this error. I provided Turbo Title dba Manor Resources with a letter confirming as such from my credit union and I was again threatened with repossession over it. My payments are always received within a few days of their due date. My due date for the loan changed from middle of the month to the XX/XX/XXXX of each month.I was originally told I could keep my middle of the month pay date as it is better for my budget. I 'm trying to pay this off as quickly as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: WA

Complaint narrative:
XX/XX/XXXX Dear Sir : This is a comlaint against this HunterWarfield, XXXX XXXX XXXX XXXX, XXXX FL XXXX Fax : XXXX XXXX Phone : XXXX This company has done the following which seems illegal 1 ) Added false information on my credit profile : It has added a claim of about {$800.00} when with reference to my prior house rental lease, when in fact I have already confirmed with my former landlord that no charges remain.
2 ) Broke the law, specifically Fair Credit Reporting Act ( FCRA ) by : Failing to provide the original documentation on which this claim is based on. When I requested to e-mail it to me as I was not receiveing their mailed items, their agent Maning provided misleading information that they can not email as per FCRA. I later checked FCRA and it allows for communciation over e-mail.
Here 's the relevant excerpt from the FCRA > > ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
I have already issued 2 written notices to Hunter Warfield to either provide written documentation or remove this item from my profile. But they are not acting XX/XX/XXXX XX/XX/XXXX Please take the necesssary legal action to get this questionable company 's claims off of my credit profile, and audit the legality of this company 's operations. 

Thanks

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 2017-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
my name IS XXXX XXXX ( XXXX ) XXXX born XX/XX/XXXX MY SOCIAL SECURITY NUMBER XXXX I HAVE ONLY LIVE IN XXXX XXXX FLORIDA SINCE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA THEN IN XX/XX/XXXX XXXX TO ( XXXX XXXX XXXX XXXX WHICH WAS CHANGOD TO XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I HAVE ( NEVER ) LIVED IN XXXX FLORIDA MY NAME XXXX XXXX ( XXXX ) XXXX -- -- -- NOT -- -- - ( XXXX ) see my XXXX XXXX XXXXXXXX XXXX RECORDS BIRTH IN XXXX. SOUT CAROLINA THANK YOU XXXX XXXX XXXX ON XX/XX/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 2017-11-07 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: Netspend Corporation
State: IL

Complaint narrative:
ON XX/XX/XXXX I FILED A DISPUTE WITH NETSPEND CLAIM # XXXX FOR {$440.00} ON CARD # XXXX XXXX XXXX XXXX. ON XX/XX/XXXX NETSPEND GAVE ME A PROVISIONAL CREDIT OF {$440.00}. HOWEVER ON XX/XX/XXXX THEY TOOK AWAY MY PROVISIONAL CREDIT, ,DUE TO XXXX STATING THESE WE 'RE MY CHARGES. 

ON SAME CARD .... ( XXXX XXXX XXXX XXXX ) I ALSO HAD TO FILE A 2ND DISPUTE CLAIM XXXX XXXX BECAUSE NETSPEND FORGOT TO CANCEL MY CARD WITH THEM ... SO SOMEONE CONTINUED ADDING UP FRAUD CHARGES. 

I CALLED XXXX AND CANCEL CARD AND EXPLAINED THAT THESE ARE FRAUDULENT CHARGES ... THEY STATE AND CONFIRMED THAT THESE WERE INDEED NOT MY CHARGES. BUT NETSPEND NEVER CANCELLED CARD. 

XXXX STATED THEY COULD NOT GIVE ME A MERCHANDISE REFUND BECAUSE I CA N'T CONFIRM THAT THESE WERE NOT MY CHARGES. BECAUSE THEY SEND E-MAILS AND I 'M NOT ONE OF THE E-MAILS/. 

ON XX/XX/XXXX I SENT THEM ANOTHER FAX ON THERE MISTAKE AND STARTING ASKING FOR THEM TO RE-OPEN CASE # XXXX. 

XX/XX/XXXX I GOT PROVISIONAL CREDIT OF {$320.00}. XXXX. AROUND XX/XX/XXXX I WON THAT INVESTIGATION, SO I ASKED AGAIN TO RE-OPEN FIRST CASE BECAUSE IT ; S THE SAME CHARGES THAT XXXX CHARGED ON 2ND DISPUTE. TOLD THEY WOULD SEND ME PAPERWORK AND XXXX 'S ANSWER BUT NEVER HAVE RECEIVED ANYTHING. 

LAST REQUEST ON XX/XX/XXXX STILL TELLS ME THERE IS NOTHING THEY CAN DO FOR ME. TALKED TO THEM AGAIN TODAY AND TOLD THAT ONCE A CASE IS CLOSED IT IS THERE RULE THAT THEY CA N'T RE-OPEN IT NOR CAN I ISSUE A NEW DISPUTE! 

XXXX THRU NETSPEND

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 2017-11-07 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: FL

Complaint narrative:
I have an account with paypal, on XX/XX/XXXX, i requested {$150.00} out of my balance with them to be transferred to my linked checking account with XXXX XXXX XXXX Paypal apparently reduced this amount out of my available funds balance and shows the transfer to have been completed. 

However my bank never received this money as late as today, XX/XX/XXXX As a result my money is now neither with Paypal nor in my Banks checking account and im unable to use money that is rightfully mine Telephone calls made to Paypal multiple times have not resulted in any satisfactory action or resolution and the customer service reps at Paypal are simply not able to offer any reply to this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: OH

Complaint narrative:
I opened up a US Bank account a couple of months ago. I was never informed that it would accrue monthly service fees and while I was using it, the account never accrued service fees. I then stopped using it and I believed that it would continue to remain at a zero balance and that was that. However, a couple of days ago, I found an envelope with a letter that stated the account had been charged off and that I owed US Bank {$44.00}. US Bank never sent me a letter warning me of a charge off until the charge-off has already taken place!

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 2017-11-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
We got in to a Loan Modification with XXXX XXXX XXXX on property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XXXX XXXX, 2011 for a fix interest rate of 2 % for the remaning of the note. They sold the note to Bayview loan servicing on and now we are charging us 4 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My credit report is being negatively impacted by a creditor that repeatedly send inquiries regarding a debt that I had disputed and that they neglected to correct ( or offer an explanation ). They also failed to report the dispute to the credit reporting agencies and continue to submit multiple inquiries to the agencies stating the exact erroneous information.
The majority of these inquires either do not reflect any information ( just notes N/A ) or repeats previous information like " account closed ''. In just a 4 week period ( XX/XX/XXXX thru XX/XX/XXXX ) the creditor made XXXX inquiries with one of the credit reporting agencies ( XXXX ) even after they reported the account was closed. 

This tactic is obviously having a negative impact on my overall credit score and appears to be designed to make it look like there are numerous negative activities rather than the single one in question. 

I am requesting that this creditor be compelled to stop this practice and reflect that this debt was disputed and not resolved without providing me with a definitive explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX made me a loan and the loan offer told me that I could get up to XXXX after 6 month of payment history and after the 6 month me and my wife went to get the XXXX loan she change her story around from what she told us. then she said we could get a lower amount XXXX and when we was to get that amount she change her story again it wasXXXX she was very nerves in doing the business very little eye contact and unasured of her self. after leaving me and my wife look back over the paper work and the instrest rate was to high so on XX/XX/XXXX was the date of the contract and when we did sided to dispute the contract and i email XX/XX/XXXX on their website to let them know that we were disputing the contract on XX/XX/XXXX then I went down to regions bank and stop payment on XXXX XXXX XXXX XXXX payday loan the fraud department did not call me back as the said they would. then a made other attemps to their home office XXXX XXXX, Al office to let them no we stop payment as well. and other i talk with in XXXX, Ohio, XXXX haver a file on record of me trying to resove the matter and they turn the offer down. Regions bank will be getting this for the first time to try to resoved this matter with them invoded in this matter which they play a big part in because they wer my bank and they let XXXX XXXX XXXX get away with my money to cause me hardship in this matter I also will be uploading written paper to give more information on this matter as well. regions vice president refuse to give me a copy of my complaint that I file with him on the matter I need that complaint that tell who all had some thing to do with regions mangement team that allow the to happen to me and what part every noe played that why i need jusice in the matter.

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 2017-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX ( XXXX ) switched banks to service their credit card to Commenity Bank. I was in good standing with XXXX 

The transfer of accounts from one bank to the other should have been a transfer not a closing of one account and an opening of another.
My credit score took a big hit 28 points by Commenity Bank closing my account. This account with XXXX XXXX was opened less then a year ago and had only {$66.00} left on the account. Because Commenity Bank closed one account and opened a new one- my credit score went down. 

They wo n't do anything to fix the problem. If this was the situation with a new bank taking over an account, I feel like I should have had the option of closing my account on my own without opening another one.
What can be done to fix my credit score? This wo n't sit will with a mortgage company seeing a 28 point loss this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My mortgage transferred from XXXX XXXX XXXX to Carrington Mortgage on or around XXXX XXXX, XXXX i think that is the correct date. I am not sure, as I never recieved a letter from them. I found out about the transfer when I went to make my payment to XXXX XXXX XXXX and they said I could no longer make my payment to them as my loan had transferred. they gave me the company name and a phone number. 

I called Carrington. I got my loan number and my late fees due. I advised I never had late fees and they must be mistaken. I was told to send in a letter to them explaining what had happened and they would fix it. I did, on XXXX/XXXX/XXXX. I received a letter from them advising they recieved my letter but nothing after that. I was under the impression that they had 15 days to respond and get it fixed. 

I received another letter from them on XXXX/XXXX/XXXX advising that they never received my payment. I am not sure what happened as my payment was made, it just did n't go through. I quickly made my payment on line through my bank and sent it next day. I get a letter on XXXX/XXXX/XXXX saying they never received my payment. I called them and she stated that my payment went to unapplied funds as it was XXXX cents short. I told them I was not aware of this and no one had called me, sent statements, etc. 
I was reported to the credit bureau she said. i told her I would make my payment for XXXX cents online immediately, making the payment with her would have cost me XXXX. 
I sent the payment. 
i have never had an issue with a mortgage. I always make my payments on time. this company is horrible. I am almost finished paying my mortgage, thank XXXX. 
I just wanted the CFPB to know the misdealings that this company is doing. I have good credit, make my payments on time and have to deal with this nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Around late XXXX 2017 I contacted Chase Bank to notify them of their shady business practices and failure to properly and professionally disclose information in reguads to their hardship program. A few months ago I took part in the program due to legal issues with my employer at that time and had not gotten paid still to this date. I spoke with Chase Bank thinking they were actually here to help and it all turned out to be a lie that has affected my life in many ways and I 'm still struggling to recover from the pain and disappointments they 've caused. I before Chase bank destroyed my credit score I had a XXXX fico 8 score. Chase Bank has maliciously allowed late payments to occur although I was enrolled in their program which caused me to fall in serious delinquency status for this account, which dropped me all the way down to a XXXX Fico. The day I enrolled in the program I specifically asked Chase Bank was there anything else that I needed to do to prevent late payments because I take pride in having 100 % on time payments as I 've had for the past 8 years and I was assured that I was good to go and everything has been taken care of and because of being on automatic payments there would be no father action on my part. Chase bank and enrolled me into a program that did more harm than effectiveness, I find it very offensive for a company that claim to hold such high standards to treat a customer in such a way as I 've been treated, I 've been calling about this month after month and they just do n't care. All I 'm requesting is that all late payments be removed from my account immediately. And I want nothing else to do this company ever in my life again I have been spreading the word and none of my family members and coworkers will apply for Chase Bank because I 'm very close to them and they have witnessed what I 've went through first hand it 's just heartbreaking. i 've even written a letter to the CEO of chase bank and it was such a disappointment I cried for the rest of the day, I was treated like a number, I was treated like I meant nothing, I was treated like I did n't exist and that everything has happened because of me, and for that I will forever share my experience about chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was approved to do a short sale on my home by XXXX XXXX due to loss of income. 
The house was listed on X/X/2017 at the sales price of {$590000.00} From the beginning of this process XXXX XXXX has made it difficult to deal with. Attached are offers we received on the house all were denied by the Bank. 
The listing was cancelled on XX/XX/XXXX and put back in to foreclosure. 

During that time the listing agent has received 5 more offers, the last offer we received was in the amount of {$560000.00} cash which XXXX XXXX denied.

Company response to consumer: Closed with explanation