vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I attempted to lift a security freeze on my account with the 10 digit pin I was given. It didn't work. I called Equifax to have this resolved. 

XX/XX/XXXX XXXX Call 1 -Was told that my security freeze was lifted and I needed to change account information ( My Maiden name to my married name ) by faxing a driver 's license. I faxed DL to them at XXXX. 

Credit Check was not successful. 

XXXX Call 2 - I was told that my account was not frozen by I needed to give them 48 hours to receive the documents and that it would be 30 days before my credit check would go through. I didn't have 30 days to wait. Was told that a supervisor could change it on Thursday if I asked. 

Thursday XX/XX/XXXX XXXX Call 3 - They can not tell me where my documents are but I needed to send my social security card or XXXX and driver 's license. This directly against what I was told originally. 

Friday XX/XX/XXXX Fax XXXX and DL together XXXX Call 4 - They say they will get my information by Monday and they account will be updated by a supervisor. 

Monday XX/XX/XXXX XXXX Call 5 - They can not find my documents and do not know where they are. They will not call the department they were faxed to. They may have been shredded because they came out of the fax machine " too dark to read. '' I am told to change my information with XXXX XXXX XXXX and have them report to Equifax or to try faxing the documents and waiting 48 hours again. 

I was given incomplete information on how to change my name on my account twice. 
I was then promised that if I faxed the appropriate documents to Equifax then they would fix it. They can not find my personal documents even though they have been sent twice. I get a different explanation and answer from each employee I call. No one seems to know what I can do. They have delayed on their promises to fix my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I sent a Validation Letter and Cease and Desist Letter to this company twice and I have been ignored.This debt does not belong to me and was Deleted from Public Record Via XXXX  ( XXXX ) This Company have no respect for the law and consumer rights.I proved to one company that this debt isnt mine and ill prove it again USPS TRACKING : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX the lease terminated on my XXXX XXXX vehicle and I returned it to XXXX XXXX in XXXX XXXX. Prior to returning the vehicle I had all body damage repaired and the car waxed and detailed so that it was in pristine condition. 
Per BMW, I called prior to make an appointment for the transfer. When I arrived I was informed that there was no appointment scheduled and that I would have to wait for someone to help with the transfer and paperwork. After waiting for 1 hour a staff member, XXXX, introduced himself and said he would take care of us. I gave him the keys and waited another hour for him to return with a single paper for my signature. After signing, he said that was all I needed to do and the transaction was complete. 
On XX/XX/XXXX I received a letter from BMW financial services in XXXX   that stated there was excessive wear and use of the vehicle that amounted to {$1300.00}. I am currently disputing the charges but the car is no longer local for me to contradict their findings. We acknowledge the additional mileage of {$240.00} but not the rest of the erroneous charges. XXXX XXXX did not do a final inspection with me present to testify to the presence of any damage or excessive wear and use of the vehicle. I understand this is a common practice when relinquishing a leased vehicle back to the Lessor. BMW was negligent in their dealings with me by not providing this standard of service. After questioning XXXX XXXX regarding the Excessive Wear and Use charges they informed me that they also provide a Pre Inspection Service allowing the customer the opportunity to fix any problems or future cost issues with the vehicle prior to relinquishing. This service was never mentioned to me nor offered. Instead XXXX XXXX called on many occasions prior to the lease termination date trying to get me to purchase the vehicle. Not providing this opportunity to me at the local dealership allows them to charge fraudulently later and prevents me from actively disputing their findings. I sincerely feel that because I did not lease a new vehicle or purchase my existing vehicle I am being charged fraudulently. This type of business practice is unethical and needs to be reprimanded as it is very unfair to the consumer. 
We have left messages yet have not received a call back regarding the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: Clearview Resolution Services
State: CA

Complaint narrative:
I have no debts but they call me saying that I do. This is extortion and unlawful

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I was not active in these accounts as I was dealing with an ailing mother, my Mother did in fact pass in XX/XX/2018, I was not made aware af any issue by the following institutions and with this information removed at once XXXX XXXX Chexsystems XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX I want ALL Information from the presidents of these bank, to supervisors etc, I am given this right under the FCRA. 

I want thes names to answer interogotories

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 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to Experian and XXXX   to dispute a collection that was reported on my credit report by XXXX XXXX XXXX XXXX for the amount of {$340.00}. XXXX XXXX XXXXXXXX XXXX started reporting it to Experian and XXXX  XX/XX/XXXX. I have challenge the accuracy of the dispute with Experian and XXXX. XXXX has followed my request to delete the collection off my credit report. Experian sent me a letter reapplying back to me as a valid debt. I have requested in my letter to them the accuracy of this account and to show me documentation of the debt and my signature on any contract. They have not provided me anything show that the debt belongs to me. I have talken to XXXXXXXX XXXX XXXX XXXX over the phone about the debt on XX/XX/XXXX at XXXX again as to what they have for proof that the debt belongs to me and the dispute department has no proof it belongs to me. So how can Experian say that the collection is Valid, accurated and has been Verified.

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 2018-05-14 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 called XX/XX/2018 and the lady at Equifax told me that she had to reinvestigate for the 4th time ... In the meantime I have to wait to buy my husband a truck. Not only is my XXXX XXXX XXXX XXXX reporting wrong at 207 % over the limit, they are now saying that I have 3 accounts which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I have submitted proper affidavit documents and statements and other important FCRA documents to XXXX under FCRA guidelines Section 605B blocking items that are fraudulent. These items were supposed to be dealt with within 5 business days, but it has been since XX/XX/XXXX and then again I submitted in XX/XX/XXXX. I have contacted XXXX, but a foreign representative is the only person I can work with and they just direct my call to another department. I believe they are just trying to exhaust me so I will give up on my fraud report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
As I understand it in XX/XX/XXXX, I was dropped from doing business with Bank of America, I have been reported by them to XXXX  and XXXX XXXX XXXX Bank of America has prevented me from opening any account due to this action, I received NO DOCUMENTATION from Bank of America. 

I have been attending to my XXXX Year Old Mother who passed away in XX/XX/XXXX I have not been involved in banking matters with Bank of America

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 2018-05-14 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I am a victim of repeated identity theft. There were several RECENT accounts opened in my name and it seems the accounts are attached to one of my homes Im rarely at. 

1. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$24000.00} I filed a police report XX/XX/XXXX for identity theft and sent it to all bereaus, totally unaware at the time of this account cause it wasnt posted yet. This is not my account, please remove this. Its off my XXXX  but XXXX and XXXX has yet to comply even though Ive sent in police reports. 

2. XXXX XXXX Credit Card Open Date : XX/XX/XXXX Balance : {$1200.00} Again this is not an account I authorized nor opened. I filed a police report. I was staying at my other home in XXXX, XXXX  at the time these accounts were opened. 
I am asking XXXX, XXXX XXXX, and XXXX to please remove this fraudulent account. 
3. XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$8500.00} Ive filed a police report on identify theft. 
4. XXXX XXXX XXXX Services Date opened : XX/XX/XXXX Balance : {$7500.00} This account has been reporting since XX/XX/XXXX. Ive disputed this account. Also, XXXX Statue Of Limitations on debt credit reporting is 6 years. This account is still reporting to XXXX  and XXXX  in XX/XX/XXXX. That is against the law. Please remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
A fraudulent inquiry was made today on my XXXX  credit report by 5/3 Bank. I was alerted via a credit reporting watch I have with XXXX. A screenshot of this inquiry is below. I called with no resolution and have written a letter.

I have no open accounts with 5/3 and should not have had ANY inquiries on my personal credit report. I am disputing this whether this hard or a soft inquiry ; either way, I want this removed immediately, please. I have recently had fraudulent addresses appear on my credit report and in XX/XX/XXXX, I contacted 5/3 Bank. I sent a letter to : 5/3 Bank, Attn. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Ohio XXXX specifically asking to be certain 5/3 Bank was not reporting fraudulent and incorrect information to the credit bureaus. THIS REQUEST SHOULD NOT HAVE CAUSED AN INQUIRY OF ANY KIND. Obviously, I am trying to clean up my credit report of fraudulent information, not have random inquiries added which would be further detriment. I did not give any authorization or permission for any inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XX/XX/XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance.

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 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my third attempt to receive from the bureaus requested original documented proof of a disputed 8-year old account [ XXXX XXXX ]. It appears that the account was remove, updated from the information I provided and then placed back onto my report causing my FICO score to drop nearly 40 points. Therefore, it seems I was penalized for requesting a proper investigation ; and sending me tangible proof. 

As per section 609, I should be protected from all forms of false and manipulative reporting and asking for all documents that were filled out when this account was opened, including an application and/or contract with signatures is within my rights. I contacted all three bureaus after discovering that all three bureaus had different and conflicting information about a very old account. It is clear that I was penalized for challenging an account. The amount owed was the same, which should have been the only reason my score would have to change. 

In the pass I was a victim of identity theft, I simply want the original documents to determine ownership.

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 2018-05-14 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/XXXX, my credit suddently dropped from the 700 's to barely 600. I pulled a report and found a bad XXXX XXXXXXXX XXXX account that I had never opened. I later found out that I had been listed as a co-buyer for my mother, but never knew of the account, much less signed any paperwork agreeing to be a co-buyer. On XX/XX/XXXX a dispute was filed with XXXX XXXX, the fees were temporarily waived, and my mother was told not to make any payments until resolved. On XX/XX/XXXX, we received an email stating no record could be found with my name, and told that the account was closed as agreed. Account shows as closed, paid as agreed, and balance = {$0.00}. In XX/XX/XXXX, I received a letter from XXXX XXXX and the bureau of their choice stating that account was indeed invalid and that it would be removed from my credit report. However, while the account was closed as detailed above, it was never removed. I have spent the last 2 years as a XXXX XXXX XXXX trying to rebuild my credit. 

On XX/XX/XXXX I received an alert that my credit score had change. I found that it had dropped by nearly 70 points. I pulled a report and found that suddenly, the same account I had issues with in XX/XX/XXXX, that hadn't reported any changes in nearly two years, had reported a balance of {$3900.00}, even though it had been closed with a balance of {$0.00} for the last two years, per the dispute. I began a dispute with XXXX, and upon calling XXXX XXXX, found that none of the three people I spoke with could locate my name or my social on any account in the system, even when given a partial account number. 

This mistake has followed me the last two years, making it difficult to bring my credit back up since the account is still listed on my credit report. I was finally near where I would like to be when this most recent issue was reported ( negative payment as of XX/XX/XXXX ), which has now brought my credit back down, causing me to start completely over.

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 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am trying to resolve the matter of delinquent payments on my mortgage with Ocwen Loan Servicing. I had some major health issues and fell behind on my loan. I am now healthy and back at work, and have had a tenant move into my home in order to generate more money that can be dedicated to go to the monthly mortgage payment. The problem is that Ocwen refuses to open a review of my current financial circumstances and is demanding that I reinstate the full past due amount including the late fees and legal fees they have added. I can't get an assigned account manager to work with me and feel that Ocwen is denying me access to programs that should be made available to me. I have owned my home for over 50 years and do not want to lose it. This is an avoidable foreclosure, I have the means to make a fair payment. 

This home has been in my family since XX/XX/XXXX. We refinanced the loan in XX/XX/XXXX and had no issues with our monthly payment. We began having problems in XX/XX/XXXXwhen a wall in our backyard collapsed. There was a major question over who was responsible for the wall repair. We tried to work it out with our neighbor and the city but it turned into a big issue. We ended up getting fined {$6000.00} and were in and out of court dealing with the city inspector 's. We ended up having to pay {$12000.00} in order to rebuild the wall and this caused some financial problems for us. We fell behind on the loan and tried to get Ocwen to work with us at that time. However, we could not make any progress. Luckily we had some resources and we paid Ocwen a lump sum amount of {$14000.00} in past due payments in order to get back into good standing. We kept up with our payment until a little over a year ago when I had some health issues and was not able to work. We thought it would be easy to get caught up on our loan and reached out to their agents to see if we could be considered for a modification or a repayment plan or some type of compromise. The agents at Ocwen refused to allow us to even be considered for any of these programs and we were told the only option was a full reinstatement of the late payments and late fees. I am certain there are programs we qualify for and am puzzled and angry about the way Ocwen has handled our request for assistance. 

Our financial circumstances have dramatically improved. I am still working part time shifts as a XXXX and also receive SSI while my husband was receiving a pension. We sent all of this information in to Ocwen but they dragged their feet, and now, Unfortunately, my husband just passed away. In order to dedicate more money to our mortgage payment we now have a tenant paying rent to us in our home and my cousin is living here and contributing as well. We have more than enough income to afford a fair payment, but the issue is that Ocwen won't give me the time of day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC Bank has given information to XXXX XXXX XXXX and XXXX. 

I am not aware of this information I have received nothing from PNC Bank. 

I am unaware of any poor banking habits with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: CITIBANK, N.A.
State: KS

Complaint narrative:
Ongoing issues for a long time. I have chat and spoke with the company, also asked them multiple times to block charges. I have disputed charges and they continue to let someone charge my account.

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