vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION
State: MS

Complaint narrative:
i applied for a penfed credit card..application # XXXX. XXXX hard report pulled fica XXXX penfed requested 2 yrs tax returns for approval. i was not advised of this requirement prior to my application.. i called and requested to cancel my application and remove the hard pull from my XXXX file as it was an errow for their failure to advise me of their policies..i should have been advised of this prior to checking my credit..thank you, 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 2019-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I lived with XXXX XXXX back in 2016. He got a credit card and put my name on his account which he got a card for me under his account. He said he would take care of all payments the address on the account is his. XXXX lives at XXXX XXXX XXXX XXXX Illinois. I Moved out gave him his card with my name on it. He apparently didnt pay the bill like he said he was going to. Now its showing up on my credit report. I have no idea what the account number is or was and have none of the bills because they were in his name and went to his address. I dont feel I am responsible for his actions. Please remove the delinquent account from my credit report it is XXXX dollars I believe. And is to capital one credit card company. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine are : XXXX and XXXX XXXX which I listed on Identity Theft. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Please remove as soon as possible these accounts from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/2019 Chase card services contacted my wife, XXXX XXXX on her personal mobile phone ( XXXX ) XXXX. My wife is not listed on this account, nor has she ever been associated with this account. Chase card member services disclosed all my account information and balances with her, without my consent and agent apparently did not understand once my wife asked her to stop. I am the card holder. I do know my account had her phone number listed, as alternative number but feel as if a federal law has been broken by this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I lived with XXXX XXXX back in XX/XX/2016. He got a credit card and put my name on his account which he got a card for me under his account. He said he would take care of all payments the address on the account is his. XXXX lives at XXXX XXXX XXXX XXXX Illinois. I Moved out gave him his card with my name on it. He apparently didnt pay the bill like he said he was going to. Now its showing up on my credit report. I have no idea what the account number is or was and have none of the bills because they were in his name and went to his address. I dont feel I am responsible for his actions. Please remove the delinquent account from my credit report it is XXXX dollars I believe. And is to XXXX XXXX credit card company. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
I took out a title loan in XX/XX/2019 due to being unemployed and in a financial hardship. I was making payments on time and up until XX/XX/2019 when XXXX, a regional manager took it upon himself to play collection agent. It was Saturday morning, around XXXX XXXX when he called me from a Texas area code mobile phone. He never asked for any account information, never attempted to verify who answered the phone and proceeded to demand I make a payment that day before XXXX XXXX. This is why I have taken action due his demeanor and actions as a threat with intent since I feel the legal biding contract has been violated due to his actions. I did make payment on XX/XX/2019 and was told he was actually sitting in the office calling all clients and demanding payments by manager and employees who work there. I was told XXXX was demanding payments to make up over a bad months and collections were down. I became a victim this day due his bad choices. I reached out to customer service and waited over 10+ days for a response. I called and called and go the run around. I worked with XXXX and XXXX at the local office where loan was taken. They fear their jobs are at risk due to XXXX. I then got a call from XXXX, he is over XXXX and he assured me this would be dealt with and addressed, asked for week to 10 days to review files and would work with me to resolve or reduce loan fees for XXXX ' actions on XX/XX/2019. I have made a payment since on XX/XX/2019 and not heard a word from Title Max since. No letter, no phone calls, and feel as if they seem to think nothing is wrong with the actions they took and how a client is left to deal with their unprofessional actions. I want my title back and they need to be fined for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine are : XXXX  and XXXX XXXX which I listed on Identity Theft. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Please remove as soon as possible these accounts from credit report.

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 2019-12-29 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
No citizen has directly and explicitly consented to the 3 credit reporting agencies. We citizens trust that you, the CFPB, will regulate and enforce supportable policies. 

Experian lost my personal data due to a preventable intrusion. I have since locked all my credit reports. Every single time I have tried to lock, unlock or even view my data at Experian I have failed their online security test to prove myself. I only ever fail security tests with Experian and never the others. They do not let me create a consumer account to manage my credit, they give me a PIN each time I lock/unlock my report. And every time I try to use the PIN for the next transaction, as should work, even their own PIN check fails. 

I am currently buying a house and must unlock all my credit reports for mortgage precertification. Once again, I breezed thru unlocking my credit reports at XXXX and XXXX but I failed the security test at Experian. And now I have to call them but only on weekdays during business hours. The exact same time I work. 

Experian clearly can't even manage to provide a proper system to verify my identity let alone have the proper protocols to secure their data internally. What steps are the CFPB taking to ensure that ( a ) our data is safe with Experian and ( b ) when we have life events requiring we access our data that we actually can do so and ( c ) to ensure that they are providing consumer support during non-traditional business hours?

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 2019-12-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I deposited a check on XX/XX/19 via mobile deposit with my phone and immediately received confirmation via email that the deposit was successful. However on XX/XX/19 the check was charged back to my account and charged a {$12.00} returned deposited item fee. Customer service representative indicated in conversation on XX/XX/19 that the check was charged back because of an image quality issue that made the check unreadable.

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 2019-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I filed with you earlier about Chrysler Capital reprocessing my car due to system adding me to a repo list and I owed 4 months which I sent XXXX a copy of 17 straight payments which the email was wrong. I paid over XXXX and picked up my car. Balance XXXX. XX/XX/XXXX received a letter stating I owed {$810.00} due XX/XX/XXXX. Called XXXX at Chrysler and stated it will be corrected. A call from XXXX XX/XX/XXXX from collection stated the system put me in collections and I been there for 21 days but after arguing she apologized and said I owed nothing. Today, XX/XX/XXXX I get a letter stating I owe XXXX. I'm tired of being harassed by this company. XXXX, XXXX XXXX and chrsler stole {$2600.00} which was suppose to be sent back XX/XX/XXXX. This is how they stole my car was repossessed because of the system and they lied and said it doesn't do that but all my payments are up to date until XX/XX/XXXX but the system keep putting me in collections and then luring that the system called me which my recorded conversation stated there was no activity on the line. I want them to stop harrassing me with letters and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/2019 PHH Mortgage communicated to CFPB and myself that they had not received my payment ( see attached ) I also received correspondence from PHH mortgage with a copy of my check, also dated XX/XX/2019 that my payment for {$2200.00} was received but will not be credited to my account. ( See attached ) and the check would be destroyed. 

PHH began collection calls and threats of foreclosure on XX/XX/2019. Even though I communicated and offered proof of payment sent by Priority Mail on XX/XX/2019. They refused my offer to rectify the situation by making the payment with their Representative over the telephone without a fee and the option to stop payment on my {$22000.00} they claim was not received. 

I repeatedly emailed and called ( with extreme hold times, transfers, and disconnects ) asking if someone could take my {$2200.00} payment over the telephone, to no avail, I was declined. They demanded, I pay almost {$7000.00} or face foreclosure, because my short-term payment plan was null and void, since my payment had not been received. 

I only had 2 payments left to make on my short-term repayment plan. Now they have added additional charges, late fees, and assessed expenses.

Ive had over {$780.00} in my Suspense Account with PHH Mortgage, which they have refused my request to use my own funds to offset my payments. 

Each time Ive made a payment, I have been charged. One month I made 2 payments and was charged twice. 

Their letter stated I can apply for a reinstatement quote, however, its not free and actually quite expensive. 

PHH Mortgage stated that they never received my check, when the check was actually received. Refused to allow me to make payment to remedy the situation. Threatened me with letters and telephone calls to foreclose.

This is exactly what happened during my initial short-term repayment plan that was initiated with Ocwen and then sold to PHH Mortgage. Ive paid for 2 short-term payment plans, which I have not been able to pay off, due to PHH Mortgage mistakes.

I want to note that during one of my telephone calls to PHH, I told the Representatives ( I spoke to 2 ), that the information they are discussing was not my account. And they argued with me and refused to believe me. I was spoken to like a kid who didnt know about my mortgage, and the information from another customers account was forced on me to listen to. I kept telling them, that is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation