vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I initiated an online dispute to Equifax regarding XXXX unauthorized inquiries on my credit report. On XX/XX/XXXX I  received an email from Equifax stating all inquires came back as factual record ( 5 day investigation ). I called Equifax on XX/XX/XXXX around XXXX XXXX and spoke to a rep by the name of XXXX and requested he send me the documentation they have ( from each company ) showing I authorized all of these companies to pull my credit report. XXXX stated " they do n't have any documentation '', he stated the companies are not required to provide that information and for me to call the company. I advised XXXX that the CB is responsible for making sure all things are factual before reporting. I requested to speak with a manager and  was transferred to another gentlemen by the name of XXXX. I explained to XXXX that I am now requesting documentation they used to confirm I authorized theses companies to pull my credit report. XXXX stated they can go by word of mouth from these companies. So that means anyone who has my social security number can try and obtain credit!? XXXX also stated that the companies who pulled my credit for inquires are " members of Equifax '' so they tend to believe what ever info they provide. I requested ( on a recorded line ) that they submit what information they had to states the inquires were factual and neither party was able to provide that information. XXXX just stated he would document the call. I have XXXX inquires that I did not authorize and would like them deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Walmart MasterCard account was fraudulently opened and used paid for used again paid for payments returned and used 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 2017-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
case XXXX new information Us Bank Minnesota contacted me they have my wire thats federal approved and XXXX XXXX board of directors approved. After explaining they would wire it he dissapeared with the money. He is XXXX XXXX. In XXXX XXXX Minnesota they say to ask the sender to him for the registration number since they dont have it. XXXX XXXX told me he does have it so the the sender to hims registration is not needed. Where did he hide this before he quit? The amount is high so anyone would try to steal. XXXX  in wires told me she knows where it is and wont wire it. I have to emphasise I was shot at the day I argued with XXXX. If only XXXX XXXX knows what he did he should be located. He still does snapshots with US bank locations. The Minnesota US Bank workers are untrained and ignorant. Im reporting XXXX XXXX, XXXX XXXX and XXXX in wires. Also I reported the director either XXXX or XXXX does n't take any calls and do n't return any messages. This is highly important! I was transferred to XXXX XXXX in XXXX XXXX and to XXXX in XXXX XXXX. XXXX was supposed to contact me with an answer and did not. He is at XXXXXXXXXXXX

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 2017-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I submitted a complaint to SPS last month via CFPB. SPS did not respond to the specific questions contained in the Qualified Written Request, nor did they respond to my request to schedule an in-person meeting at SPS HQ in Utah to review their " original copies '' of documents they allege are valid and are associated with my property. SPS is trying to use these so-called documents to foreclose our home based on an assertion of a financial interest that does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I am a 3rd party Mortgage Broker attempting to obtain a payoff for our client who has an account with Ocwen Loan Servicing LLC. We frequently struggle to obtain payoff information from Ocwen within a reasonable amount of time, however, this is our first complaint. As per Regulation Z, a servicer is required to provide an accurate payoff within 7 days of the request. So far, Ocwen has taken 22 days for this request and has projected at least another month before a payoff can be provided.
- Our first attempt to order a payoff was on XXXX XXXX, 2017, we provided our client 's signature authorization, account number, and projected payoff date. We received a written response on XX/XX/XXXX stating a new request is required and the new request must contain the appraisal due to the type of account ( Original Loan was modified to an Equity Share Arrangement ) OR, they may simply use their own Broker Price Opinion.
- A new request was submitted on XXXX XXXX, 2017, including the appraisal, customer 's authorization, account information and projected payoff date.
- On XXXX XXXX, 2017, a call was placed to Ocwen to ensure the request was received. After verifying the customer 's information, we were informed that Ocwen is not authorized to talk to us about the account until the borrower 's signature authorization was validated which will take 2 days.
- On XXXX XXXX, 2017, another call was placed to Ocwen, all information was again verified, and Ocwen still would not answer any questions regarding the account, or regarding whether they received our request for a payoff quote. Ocwen advised us that the customer had to call them to validate the signed borrower 's authorization before they could speak to us.
- On XXXX XXXX, 2017, the customer called Ocwen and gave verbal authorization to speak to our company.
- On XXXX XXXX, 2017, a call was placed to Ocwen, XXXX, ID # XXXX stated the customer did not authorize us to speak to them on his behalf. So, a conference call was made with the customer, who again authorized Ocwen to speak with us. While on the call, the customer verified his information and XXXX advised he did actually see that the customer made the authorization on XX/XX/XXXX, but it was not for our entire company, only his Loan Officer. Once the customer disconnected from the conference call, XXXX advised us that in order to obtain a payoff, we must speak to the relationship manager, XXXX XXXX, who 's schedule is so full, he can not talk to us for at least another month.
- The client is current on his mortgage payments with Ocwen, and the refinance loan that our client applied for will save him nearly {$900.00} per month on his mortgage payments, however it is required that his Ocwen account is paid in full.

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 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company keeps re-aging these two accounts on my credit report and every time they keep re-aging these charged off accounts it drops my score. They are doing it on purpose to drop it which is causing me harm and emotional stress and is against the Fair Credit Report Act. Here is the company below along with orginal creditor info and the two accounts. PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX org creditor XXXX XXXX {$1100.00} PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX org creditor XXXX XXXX XXXX XXXX  {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: GA

Complaint narrative:
I was in school during XX/XX/XXXX and unemployed in XX/XX/XXXX, when I reached out to then XXXX XXXX inquiring about Economic Hardship, or any programs that will help lower my monthly payments. I was only offered forbearance which still accrued daily interest on an Interest Only Loan. When I was granted my reward letter from unemployment, I was only receiving {$150.00} weekly. I was only receiving these funds for a total of 18 months in the amount of {$2700.00}. Provided this was my only income, I had to maintain a roof over my head and pay other bills. XXXX XXXX took a financial statement regarding all my expenses and still made the decision that I did not qualify for Economic Hardship. I still paid a total of {$330.00} monthly. After I gained employment XX/XX/XXXX, I was able to get back on track to make high payments. I inquired about releasing my Mother as the Co-signer, I was advised if I made 12 on time payments she could be released. I held up to that claim only for my Mother not to be released as requested. The College I attended faded out my program of XXXX XXXX XXXX back in XX/XX/XXXX. At this time, I am unable to utilize my degree. I applied for several jobs only to be told, I need to go back to another Institution take a course that I can obtain a XXXX. The program that was offered at XXXX College was a XXXX program. I will not go back to take out another loan to utilize my degree. I have a XXXX XXXX XXXX XXXX with an outstanding balance of $ XXXX. This is insane to owe this much money for a XXXX XXXX that is null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This is a follow up to complaints : XXXX XXXX I have not received the info. I requested to verify the validity of my cosigning status. XXXX XXXX XXXX XXXX XXXX has not been forthcoming in providing the info. I requested. I do not want to file a fraud complaint until I receive all the info. I requested.

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 2017-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On Tuesday, XXXX XXXX, 2017 Bank of America was used as an intermediary bank for an International Wire Transfer from the US to XXXX. The wire transfer amount is for {$15000.00}, a {$78.00} InternationaXXXX wire transfer fee was paid to the XXXX XXXX XXXX XXXXXXXX XXXX. A huge amount of emails and phone calls between us, the Students from XXXX, the Banks have take place in order for the banks to honor the wire transfer. As of today Wednesday, XXXX XXXX, 2017 the wire transfer has not been completed. The students from the XXXX XXXX XXXX XXXX have spend a great deal of time in order to solve the problem because the wire transfer has never arrive in XXXX. We have inspected all the paperwork with wire transfers instructions and there are no mistakes at all, therefore we do not understand the reasons why Bank of America is holding the funds and are not sending it to the beneficiary. We have been told by the XXXX XXXX XXXX XXXX XXXX that the funds are no longer in the student checking account and the entire amount was forward to the intermediary bank. The funds are use to paid for transportation, lodging, food, etc for the XXXX XXXX veterinary students in XXXX. The entire group of students will depart tomorrow back to the US Thursday, XXXX XXXX, 2017. They provide free veterinary services for the rural poor in the XXXX XXXX located with in 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 2017-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Coradius International LLC
State: VA

Complaint narrative:
On X/XX/17 I received an alert from a credit monitoring service that I am subscribed to that the following company had added a collection account to my XXXX report. I did not receive a dunning letter therefore I did not have a chance to dispute or validate the debt. I would like this account removed from all 3 of your credit reports immediately, as I am sure I do not owe the company, and was not given a fair opportunity to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have spoken to Transuion about XXXX different hard inquiries on my credit report. They do n't seem to want to help me when I have asked them to provide paperwork or start and investigation to those inquiries. For example I had one XXXX XXXX XXXX Credit card ( which I have closed now, ) however, I have XXXX hard inquiries from them on my file which is outrageous. The customer service advisor and his supervisor were extremely unhelpful and would not assist me.
Below are the following listings : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Utilities & Fuel ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry :XX/XX/XXXXBank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( 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 2017-08-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The current ten-year HELOC was set to expire on XX/XX/XXXX. XXXX XXXX instructed us to apply for a new HELOC as the expiring HELOC product was no longer available. The new HELOC application was completed and submitted on XX/XX/XXXX, XXXX XXXX responded as follows : > Credit Score created on XX/XX/XXXX through Credit Reporting Agency : Experian > Special Credit Score Disclosure Form > Housing Counseling Agencies Notice > Declination letter dated XX/XX/XXXX > Contacted XXXX XXXX Consumer Lending Department upon receipt of declination letter only to learn that the department generates their own custom credit score using credit reporting information obtained from Experian ONLY! This was the first time an application for credit has been denied for either one of us. Despite debt/income and loan/value ratios exceeding the requirements, the declination determinate was XXXX XXXX custom credit score fell ten points below the banks required minimum score. This news ensued with disbelief as are FICO scores continuously reported within a range of 760 to 820. Further investigations produced the following : > My individual credit score obtained from Experian within days of the declination resulting in a score thirty-nine points higher than the referenced initial credit score from XXXX XXXX. > Credit scores calculated by the other two national credit reporting agencies were ninety and one hundred ten points higher than the referenced credit score from Experian/XXXX XXXX. > On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a Consent Order Administrative Proceeding File No. XXXX against XXXX  XXXX, XXXX and companies for deceptively marketed credit scores to consumers by misrepresenting that the credit scores it offered and provided to consumers were the same credit scores lenders use to determine creditworthiness, in violation of the Consumer Financial Protection Act of 2010 ( CFPA ), U.S.C. 5531, 5536 ; and. Per review of the Experian Credit Report dated XXXX XXXX, unpaid medical bills are listed as current collection debts without any reference to their validity, date of service or expiration via Florida Statutes of Limitations. These same medical bills negatively impacted the initial credit score from Experian/XXXX XXXX despite creditors being prohibited from obtaining or using medical information when making a credit decision per the Fair Credit Reporting Act ( FCRA ).

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 2017-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: MI

Complaint narrative:
This is also included In complaint XXXX. It only has US Bank listed as whom I am complaining about. But I really think it is more XXXX XXXX that has a problem. So I 'm trying to get them listed also. I have also filed a complaint with the Attorney General office Complaint # XXXX On X/X/17 My husband ( XXXX XXXX ) received a call from a documents server stating that he had documents that my husband must be home to sign he then gave another phone number for us to call XXXX with a file number of XXXX. He included me ( XXXX XXXX ) on the call to a " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Case manager XXXX XXXX. She claimed that he had an overdraft now worth over {$2000.00} ( never gave us the original amount ) for US Bank. He never opened an account with US Bank, but was concerned that maybe his ex-wife had, under his name. The debt was over 10 years old, but he felt we should pay it. XXXX XXXX gave us specifics about his social security and an old address. Never gave us proof that he actually owed the debt, but told us if we paid {$100.00} a month, in biweekly payments she could reduce the debt to {$1500.00}. That this would avoid any legal action being taken against us. That if we signed the agreement that day and provided a picture of my debt card and my drivers license that she would set up a " stipulation of settlement '' agreement. We agreed to do this, but I felt the picture of my debit card and drivers license was strange. I did give them to her and did sign the agreement. Which supposedly releases me from being able to take any kind of action or disagree with the debt. They also made a withdrawal from my account for {$50.00}. We looked up his XXXX XXXX report and they were not on there, nor on any of his credit reports ( we checked all 3 ) when confronted with this information, XXXX XXXX explained that was because we had not disputed the debt. When I spoke with my bank, they said it should have been on there if it had been in collections for the last 5 years and that they should not have had me send a picture of my debit card and license. I have since looked up the company, number, person and looks like a total scam. I have closed my debit card and had a new one reissued. XXXX XXXX XXXX ( XXXX ) XXXX are still calling us and all our family members and giving us a new number to call XXXX and case number XXXX. When we called on that nothing could be found.

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 2017-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc.
State: CA

Complaint narrative:
A company named Atlantic Credit and Finance Called me from an unknown number today X/XX/2017 at XXXX Pacific time. The call lasted about 16 minutes. After asking the repeatedly at least 10 times during that call if I could have their address so I can send my via Money they continued to harrass me after I told that financial hardship is the reason my account went into collections. They wanted to know how, why, when, where and what exactly happened. After repeatedly telling them that I was n't giving them my life and if I could the address and kept asking me what was having their address gon na do for me. They have some shady phone tactics and it made me feel very uncomfortable with them having my information and not wanting me to pay what I could afford on the account that they purchased from XXXX XXXX XXXX. The two employees that were harassing me names are XXXX and 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 2017-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I opened a nordstrom account in XX/XX/XXXX before account changed in XX/XX/XXXXand did not receive notice. When using this card in XX/XX/XXXX transactions were reversed without any notice account was closed and Company open new account just to close it in XX/XX/XXXX terms and condition. Company will no longer give me original XX/XX/XXXX terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
Company, Cash One repossessed my vehicle after 35 days past due and is now not answer their phone when I attempt to contact them. The loss of transportation has now led to loss of employment.

Company response to consumer: Closed with explanation