vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2019 I received notification that a hard credit inquiry had occurred on XX/XX/2019. 

This inquiry was almost certainly related to a company credit card issued to me through my employer and, therefore, does not appear to be fraudulent. Despite this, a credit card company may not pull credit for persons who are only an authorized user, and not an obligor, on that account. 

A hard credit check was NOT authorized by me. I have verified this by looking at all paperwork, both signed and otherwise, related to this credit inquiry. Due to this fact, I attempted to dispute the above credit inquiry. 

The credit reporting agency ( Experian ) refused to recognize the inquiry as not warranted or authorized.

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 2019-05-11 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: PA

Complaint narrative:
Fraudulent credit Inquiries on my credit report over the past two years I didnt apply or authorize for any credit company to access my credit from XX/XX/XXXX to 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 2019-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Nationstar Mortgage dba Mr. Cooper moved for foreclosure shortly after the Plaintiffs filed a complaint with the North Commission of Banks. because Nationstar was improperly hanging the homeowner in a suspense account and not applying them to the plaintiffs ' mortgage. By evidence of.the of late charges in Exhibit A the plaintiffs were two months behind on their mortgage. when Nationstar forclosed an illegal process under the Consumer Financial Protection Bureau 4 month rule before a servicer can foreclose. Nationstar is also in violation of the Bureaus ' strict rules against Duel Tracking by evidence.of the upload. 

Nationstar was also in violation of the homeowner 's contract. There is a clause in the contract that states Nationstar must abate foreclosure if a demand for a Mediation is made and by evidence of the upload a Demand was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened a Chase Online Total Checking account using the sign-up bonus link, which states you will receive a {$200.00} reward after making a direct deposit of atleast {$500.00} within 60 days to qualify for the bonus. So this is exactly what I did, I waited 10 business days, and they never gave me my reward. Then I called the bank around 60 days after opening the account, they told me that I was not eligible because there wasn't a coupon code, but on the link for the reward it says the coupon code is " automatically '' applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a lot of credit account that are close and paid plus over 10 years on my credit report and never go away I needed to be removed from my credit reports Thank you

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 2019-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Few months ago Bank of America closed my 2nd credit card that I had with them of credit line {$14000.00} and XXXX balance ( debt ) on it, several months of keeping it debt free - XXXX balance. They also lowered my credit line on 1st credit card ending XXXX from {$14000.00} to {$6400.00}. This all happened after I called Bank of America customer service in order to check with them to see if I can get promotional balance transfer to my 2nd credit with credit line of XXXX where I wanted to consolidate my debt in one single payment and help my self to pay off things faster. Few min later lady came back on the phone and said that she will immediate close my 2nd credit card, and lower balance on the first credit card to {$6400.00} due to income debt ration. I asked her what are the proofs you have on file for my income and how truly you know how much money I make? She repeated that my cc will be closed and no questioned asked and credit line lower on the other one. I told her, after 10+ years of loyalty with you, never missed payment, never defaulted, all balanced paid off, i asked first time for the help and instead to help me out you made things even worse. After they closed cc and lower credit line to my cc, my credit score dropped so bad and hurt me very bad. I called few times after to talk to managers, they promise to call me back and never did in order to get credit line back. My intention was never to additionally spend more money using their cc and put my self in more debt. They never waned to listed to me, neither to work with me, they never gave explanation for closing my credit card except income debt ration which was totally wrong.

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 2019-05-11 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: HW Holding, Inc
State: TX

Complaint narrative:
A settlement was made to HUNTER WARFIELD for XXXX   XXXX apartment account ... the account was paid off on XX/XX/2019. It is still showing as open and needing attention.. I need the company to report the account as a settlement and paid off or closed due to settlement paid in full.

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 2019-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Fraudulent credit Inquiries on my credit report over the past two years I didnt apply or authorize for any credit company to access my credit fromXX/XX/XXXX to XX/XX/XXXX 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 explanation
Consumer complaint received 2019-05-11 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: PA

Complaint narrative:
Fraudulent credit Inquiries on my credit report over the past two years I didnt apply or authorize for any credit company to access my credit from XX/XX/XXXX to XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GREAT LAKES
State: FL

Complaint narrative:
Student loans From Great Lakes and XXXX Are all has been forgiven so its XXXX   and as a good cause please I wish to disputed and please have removed from my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient student loans My student loans from Navient I have two And my three XXXX students loans From XXXX I apply for a student loan forgiveness program And all of my loans has been forgiven so its XXXX All payed off Navient XXXX XXXX Department of education

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal complaint ref : PP XXXX I have suddenly been informed by PayPal that they have limited my account and my money will be on hold for 180 days without any warnings and I think this is a scam. They can not legally hold my money without any reason. I would like to access my funds immediately not wait 180 days. I have complained to PayPal without any success I didnt get any response whatsoever. Please help me to get my money back. I attach the reference number of my case. My PayPal email address is : XXXX. 

I look forward to hearing from you. 

Kind regards. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: CONTRACT CALLERS INC
State: GA

Complaint narrative:
XXXX and XXXX are still reporting Contract Callers Inc on my credit report and a bankruptcy on my credit report that do not belong to me. I have submitted my DL, social security card, utility bill, and police report stating that these items do not belong to me. Yet they keep updating my report as a collections account. These accounts do not belong to me. I need them removed asap. Also, the inquiries on my account are not mine. I have already contacted XXXX about the issue as they are the original creditor on the Contract Callers Inc, but nothing has been done. The XXXX XXXX XXXX is not my account either and needs to be removed. I have tried to call them and I am not getting any kind of response. Also the only address and phone number that should be on my report is XXXX and XXXX XXXX XXXX, XXXX Ga XXXX. This information should not be used for any creditors to contact me and for them to update their systems to harass me about a debt that doesn't belong to me at all. My next step is to retain an attorney and sue any debt collectors that have not removed the items off of my 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 2019-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
XXXX, Cash App, and Square XXXX  are all money transfer applications that I have never used before in my entire life. These companies authorized fraudulent transactions to go through without even allowing me to give them permission. These charges began to appear randomly on my bank statements totaling XXXX XXXX dollars, which is a federal crime. These transactions began on XX/XX/2018 and finally stopped after I constantly complained to my bank trying to prove it was not me. They started with small amounts and escalated very quickly. They varied anywhere from {$50.00} to {$3000.00}. XXXX XXXX, my bank, did not let me know of any of these transactions which is strange because they always notify me of even the smallest transactions I personally make. They also did not do a full 10 day investigation because they considered it too unusual. I was forced to start calling the vendors myself, but have failed in being able to reach XXXX, Cash App, and Square XXXX. These companies have committed a federal crime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA
State: FL

Complaint narrative:
Some of my credit accounts are close and pay and are to to old to remain on credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
1.Americash is consistently raising my interest rates and bi-weekly payment amounts.

2.They did not disclose that i can't take a loan out if i had a current loan with XXXX XXXX in XXXX, Illinois. 
3.I sent Americash an email revoking my wage assignment. 
4. Americash called my employer on XX/XX/2019 and left a collection message. 
5. Americash called and threatend me on XX/XX/XXXX that they had left me 2 messages, they were upset that i could not take their call during business hours. 

I was not aware that they would demand 2x the amount due in a bi-wkly payment if i missed a payment. 
I am in heavy debt with 2 installment loans with Americash and  XXXX  in XXXX, IL

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
XX/XX/XXXX home insurance company notified me they had not received payment from lender from escrow. Lender, when notified, over paid balance. XX/XX/XXXX lender reassessed escrow and determined I owed more due to a negative balance they created. Worked out payment plan. Renewed insurance. XX/XX/XXXX home insurance company notified me they had not received payment from lender from escrow. Lender claimed billing confusion and said they would also charge me more. Lender claimed there was a negative escrow balance. Insurance claimed that they had just not paid. They finally paid insurance. Lender added hundreds of dollars more to my bill. My mortgage bill has gone from nearly {$1600.00} a month to $ 2400 month to date.

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 2019-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The XXXX XXXX XXXX credit card was pay and close For {$2300.00} Date open XX/XX/2010 Was pay off and close

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 2019-05-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The XXXX XXXX XXXX credit card was pay and close For {$2300.00} Date open XX/XX/2010 Was pay off and close

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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 have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following account are what is being reported : ( XXXX. XXXX, XXXX ) # XXXX account number. I have even sent copies from XXXX & XXXX showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ECMC GROUP, INC.
State: SC

Complaint narrative:
ECMC/Educational Credit Management Corporation is trying collect on a student loan that I don't owe. I never take out student loan. And just they garnish my wage. I request validation of the debt in XX/XX/2019 & I dispute the alleged debt with any luck. ECMC sent me documents that I never seen before and those docs has information that doesn't apply to me. 

I ask for the following in my request : documentation to show where I agree to pay them documentation to shows all terms and condition documentation to show their legal standing to collect money from me documentation to show original creditor name and my name on the same document. 
documentation to show proof of assignment or ownership of the alleged debt Copy of legible original contract I've never apply for a student and I don't owe them any money and ECMC is committing fraud and stealing money from me with the wage garnishment.

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 2019-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: DC

Complaint narrative:
I contacted the company via email and by phone ( can not remember dates ). I informed them that this debt is not owed due to a court hearing where the judge said that there was no money that was owed. I provided them with the court documents and all but they are still negatively reporting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: BB&T CORPORATION
State: NJ

Complaint narrative:
I purchased a vehicle in XXXX of 2018 and acquired a loan through BB & T. 

After noticing a {$2500.00} warranty was added to my contract that, I did not want, I contacted the dealership and they deducted the {$2500.00} warranty cost off my contract and resubmitted the loan information to BB & T. 

My credit report now shows that I have two open vehicle loan accounts with BB & T : The original loan for {$35000.00} that should have been voided. 
And the current loan that has a balance of {$29000.00}, which is the correct loan that I am currently paying off.

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 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Global Credit & Collection Corporation

Complaint narrative:
I had a XXXX credit card debt for {$1800.00} to pay to the collection agency after tons of calls, letters and text messages. 

I took a loan of {$1800.00} from a loan agency on XX/XX/2019 to pay off this loan and i was told by the by the loan agency that the payment will be sent to the collector and reflected on my account by XXXX XXXX, and just incase i need to call my debt collector for a settlement letter i should do so after XXXX XXXX. 

I have been calling them from XX/XX/XXXX uptil this date no answer. Each time i call the XXXX-XXXX phone number, it does not ring but goes directly to voicemail and ask to leave a message which i never get a call back. I dealt with a lady named XXXX who called and texted me atleast 5 times a week to discuss settlement. There was a direct XXXX line which we used to communicate but the number will not go through after payment. 

I even called the Loan agency to find out what was going on and they gave me all references to payments made to the debt collector in 2 installment ( {$120.00} XX/XX/XXXX and {$1700.00} XX/XX/XXXX ). I looked online and not a single review was positive Please i need help on reaching this collection agency so they can tell me when my release letter will be available. 

Thanks

Company response to consumer: Closed with explanation