vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 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: CA

Complaint narrative:
Hello I have been for the past 3-4 months have been disputing inaccurate information on my credit report with Experian, XXXX XXXX. I have sent in several letters asking to please properly validate these inaccurate negative items on my report. Experian, XXXX  XXXXhas FAILED to do so. I feel as if Experian, XXXX XXXX is conspiring with these collection agencies to defame my name! It's been MONTHS and nothing has changed. I have consulted with an attorney and before I retain his services I would FIRST like to see if Experian, XXXX XXXX  and I can resolve this issue without having to see a courtroom. I will await Experian, XXXX XXXX response before I disclose any of my personal information.

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 2018-04-20 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: Bread Financial Holdings, Inc.

Complaint narrative:
Credit Report Inquiry Made Without My Permission

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: General Motors Financial Company, Inc.

Complaint narrative:
Credit Report Inquiry Made Without My Permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a debt that they charged off and can not legally verify belongs to me. I have no recollection of the said debt yet all 3 credit reporting agencies refuse to remove the debt after several rounds of dispute. None of the 3 credit reporting bureaus have provided any documentation with my signature nor anything that validates the accounts. They simply refuse to follow the FCRA section 609 guidelines. XXXX XXXX, and Trans Union continue to willfully report this inaccurate information and severely affect my potential to receive credit. I have asked for copies of verification of the original contracts or bills singed by me, which by law, is my right. I have yet to this day to recieve such verifications on any dispute i have ever filed.

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 2018-04-20 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a debt that they charged off and can not legally verify belongs to me. I have no recollection of the said debt yet all 3 credit reporting agencies refuse to remove the debt after several rounds of dispute. None of the 3 credit reporting bureaus have provided any documentation with my signature nor anything that validates the accounts. They simply refuse to follow the FCRA section 609 guidelines. XXXX, Experian, and XXXX XXXX continue to willfully report this inaccurate information and severely affect my potential to receive credit. I have asked for copies of verification of the original contracts or bills singed by me, which by law, is my right. I have yet to this day to recieve such verifications on any dispute i have ever filed.

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 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I was contacted by XXXX XXXX XXXX today ( XX/XX/XXXX ) on my cell phone @ XXXX, yesterday ( XX/XX/XXXX ) @ XXXX, XX/XX/XXXX@ XXXX,  XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX. They have also called me repeatedly at home.

They state that this call is being recorded and the purpose is to collect a debt. When I ask what this debt is for, they hang up. If I ask them to produce an invoice, they hang up. When I ask them to cease and desist, they hang up, but still call.

I am not aware of this debt. I have not had a debt like this within the past 7 years that I am aware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avadyne Health Holdings, Inc
State: MI

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX about a payoff of the medical bill that I owed to XXXX XXXX XXXXXXXX XXXX. She gave me a verbal and a written letter as to the total if I paid it by such and such a date I mailed my payment in and it was 5 days late and they cashed the payment and agreed to the amount, but in the mean time placed a collection on all 3 credit bureaus, XXXX, XXXX, and XXXX that will now stay on for 2 years. NOT Fair and there is no law that says they have to report anything.

Since then they have not tried to contact me at all so the money was good to close the account but not to stick me with that on my credit.

This is affecting my chance to obtain a loan.

I want all references of this to be removed from my XXXX, XXXX, and XXXX credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I originally purchased my home in XX/XX/XXXX for {$170000.00} ( new  construction home ), and financed with an FHA through WellsFargo. I  refinanced through the HARP program, also with WF. The woman came to my office in XX/XX/XXXX and stated I did not need an appraisal and just needed to rerun a credit report to finalize the refinance. I signed the papers in XX/XX/XXXX and my refinance was complete. Included in my packet was a form stating I had a right to a copy of my appraisal, but they claim one was now not done. My original appraisal of my home was $ XXXX. I have been paying PMI since XXXX, and have no missed/late payments. Now that my loan is around $ 140K I decided to call and see when I could remove PMI. WF has told me repeatedly the value of my home at time of refinance was {$130000.00}, which is ridiculously low, as my house is worth well over that amount and always has been being a new construction home where the values are all increasing. They have told me that was the value when I signed and agreed my home was worth per an appraisal done by the investor that supplied the loan. They now claim I have to pay another $ 34K+ toward my loan before I reach a 78 % LTV ratio to remove PMI, which would be years. They are also telling me I need to pay for another appraisal to the tune of {$550.00} to remove the PMI if they value my home higher, which I have no doubt it will. I believe WF put the low number on the value of my home to force me to continue paying PMI for years to come. They have been repeatedly asked to provide proof of how they came up with the value of my home and they can not provide it and will not. I have talked at least six times to people on the phone at WF and receive the same answer. My home on the tax website for my county interestingly lists the building value at {$130000.00} and the land value at approximately $ 30K, totally over {$160000.00} for the building and land combined. I believe WF just took the number listed for the building and inserted it on my paperwork and  never made me aware of what they are doing in an effort to trick me into a lower value on my home. I am attaching all documentation. I have been dealing with this since XX/XX/XXXX and believe this is part of their deceptive practices with regard to PMI and mortgage refinances.

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 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
The company refuses to send a legally binding contract/agreement. This is a fraudulent account and they are not providing me with any proof.

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 2018-04-20 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: PENTAGON FEDERAL CREDIT UNION

Complaint narrative:
Credit Report Inquiry Made Without My Permission

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 2018-04-20 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: Nelnet, Inc.
State: KY

Complaint narrative:
My issue is a credit reporting from the student loan company nelnet. They were not distributing my payments properly within their system to avoid me having a late payment on a group. I would pay more than the allotted amounts each month to them on their website and on automatic withdraw from my bank account over the past 4+years. This in turn caused my credit score to drop by 100 points with XXXX, XXXX, and XXXX. This is unfair and unethical to do to a client who is continually paying back on a loan. I work a lot and am very busy trying to make this money to always pay them back so I had no idea I was even reported or late until I had ran my credit report one day. All of my payments are current and up to date. Nelnet should have been properly handling my payments to avoid this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
Credit Report Inquiry Made Without My Permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: Klarna AB

Complaint narrative:
Credit Report Inquiry Made Without My Permission

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My mother XXXX in XXXX. I called regarding her accounts, explaining the payment might be late. Payment to XXXX 's was one day late. It was paid in full. Each month after, late fees were added, and each month I called asking that the fees be removed and was told they would be removed. I was asked to send a copy of the XXXX certificate which I did on XX/XX/2018. Late fees continue to be added and have reached {$92.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I took out federal loans in order to earn my XXXX  ' degree. Navient wanted me to pay {$350.00} per month, after graduation. I paid this for about a year. I then had my student loans restructured. XXXX now charges me {$99.00} per month, and after two years, Navient has begun sending bills again. XXXX did not contact me after recalculating an income based payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: CA

Complaint narrative:
I got an alert today ( XX/XX/XXXX ) from my Credit Monitoring ( XXXX  ) that there was activity on my credit file. I checked it to find several inquiries, one from XXXX ( XXXX ), one from XXXX XXXX XXXX ( XXXX ) and one from XXXX ( XXXX ). As a result of these inquiries, my credit score dropped XXXX points. 

I called the XXXX number at XXXX XXXX and the representative said someone had opened an account using my name and social security number but used a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ) which I had already called XXXX last month ( XX/XX/XXXX ) to dispute. The XXXX representative said he would close the account and that, as far as he could tell, no phone or usage was activated on the account. He gave me this website to file a complaint to have the inquiry removed off my credit report as he said that XXXX did not have a direct way to remove the inquiry themselves. 

I called the XXXX XXXX XXXX number who gave me XXXX  XXXX 's number ( XXXX ) in XXXX XXXX. When I called the dealership, the XXXX manager said that the application was ran on XX/XX/XXXX ( again, using the fraudulent address that had appeared on my credit report last month. The perpetrator had actually driven away with a {$100000.00} XXXX and that I had called at just the right time before the documentation went back up to XXXX XXXX XXXX for me to be held liable for it. The manager is in the process right now with the XXXX XXXX XXXX XXXX XXXX to recover the vehicle and told me that the dealership would remove the inquiries once a police report is filed.

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 2018-04-20 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: CA

Complaint narrative:
I got an alert today ( XX/XX/XXXX ) from my Credit Monitoring ( XXXX ) that there was activity on my credit file. I checked it to find several inquiries, one from XXXX ( XXXX ), one from XXXX XXXX XXXX ( XXXX ) and one from XXXX ( XXXX ). As a result of these inquiries, my credit score dropped XXXX points. 

I called the XXXX number at XXXX XXXX and the representative said someone had opened an account using my name and social security number but used a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ) which I had already called Equifax last month ( XX/XX/XXXX ) to dispute. The XXXX representative said he would close the account and that, as far as he could tell, no phone or usage was activated on the account. He gave me this website to file a complaint to have the inquiry removed off my credit report as he said that XXXX did not have a direct way to remove the inquiry themselves. 

I called the XXXX XXXX Services number who gave me XXXX  XXXX 's number ( XXXX ) in XXXX XXXX. When I called the dealership, the XXXX manager said that the application was ran on XX/XX/XXXX ( again, using the fraudulent address that had appeared on my credit report last month. The perpetrator had actually driven away with a {$100000.00} XXXX and that I had called at just the right time before the documentation went back up to XXXX XXXX XXXX for me to be held liable for it. The manager is in the process right now with the XXXX XXXX XXXX XXXX XXXX to recover the vehicle and told me that the dealership would remove the inquiries once a police report is filed.

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 2018-04-20 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
My credit card was skimmed / stolen and there were many fraudulent charges on my card. Barclaycard US identified the charges as fraudulent and removed them from my account. 10 days later the fraudulent charge posted. I called to get it removed, so they credited me. Then they posted the charge again. So I called again. They removed it once again. Then it posted ... again. So I called and they removed it ... for a third time. Then the charge posted once again. I have called 7 times and no one will help me resolve this issue at Barclay and it is incredibly unfair I am being charged for a fraudulent charge. Barclay has acknowledged that I should not be responsible for the charge but they still will not remove it even after they say they will and I have no idea what else I can do at this point which is why I am filing this complaint.

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 2018-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted Chase Card Services regarding interest rate changes to my credit card account ending XXXX. The purpose of the call was to determine if the initial interest rate was a Fixed Interest Rate or Variable Interest Rate, request a copy of the XX/XX/XXXX Credit card agreement, request a breakdown of the APR interest rate changes and request copies of the Interest Rate Change Disclosure Notifications ( Change in Terms ). The Credit Card Agreement indicates the initial interest rate was 19.99 % Variable Rate. Chase advised there was an interest rate change of 17.99 % to 18.49 % in XX/XX/XXXX and a rate change of 19.24 % in XX/XX/XXXX. However, the Chase representative could not provide the dates of the interest changes from XX/XX/XXXX to XX/XX/XXXX indicating the information was not available. Please be advised Chase did not to send a 45-day Notice advising of any of the interest rate increases or any other significant change in terms to the credit card account as required by the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX. Although the CARD Act Notices were never received, Chase insists the notices were sent accordingly. A letter was received from Chase dated XX/XX/XXXX stating the Change in Terms notice was sent in XX/XX/XXXX ( no specific date specified ) advising of a rate change from 17.99 % to 19.24 % and that a response was required by XX/XX/XXXX. A copy of this Change in Terms notification was not provided by Chase for review. In addition, this statement is inaccurate in that the interest rate change of 17.99 % to 18.49 % occurred in XX/XX/XXXX. The rate changes from 18.49 % to 19.24 % occurred AFTER XX/XX/XXXX. Unfortunately, this detailed information was not provided by the card issuer ( Chase ) as requested. I contacted Chase Card Services again on XX/XX/XXXX and requested copies of the Change of Interest Rate Disclosures ( Change in Terms ). Again, the disclosures and initial information requested was not received from Chase. However, a letter was received dated XX/XX/XXXX stating the same information as the previous letter dated XX/XX/XXXX. As of this date, I have not received request a copy of the XX/XX/XXXX Credit card agreement, a breakdown of the APR interest rate changes and the requested copies of the Interest Rate Change Disclosure Notifications ( Change in Terms ). In addition, I did not receive a Change in Terms Disclosure for the XX/XX/XXXX interest rate change. This information was identified on the billing statement. Chase in violation of the CARD Act of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX I took out a mortgage loan with Wells Fargo Bank, N.A. for the amount of {$390000.00}. I was promised a low interest rate and a low monthly payment, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rate were higher than promised ; and it only kept increasing. I Defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgaged from Wells Fargo Bank, N.A. to XXXXXXXX XXXX  XXXX. On XX/XX/XXXX, XXXXXXXX XXXX   started a foreclosure action against me for the amount of {$380000.00} which is about XXXX from the original mortgage 2 years earlier but I already had paid over {$60000.00}. How is that possible? I also never receive any Bank Statements from XXXXXXXX XXXX. 
I tried to resolve the problem with the lender to give me a chance to catch up with the payments when I defaulted, but they declined. I also submitted a loan modification application on XX/XX/XXXX which I received a denial letter from Wells Fargo dated XX/XX/XXXX, how is that possible? They don't even review my Loan modification application for assistance and they denied it. I haven't even receive a Notice of Sale saying that my property is for Sale now. It seems like they do not care whether I paid back or not, they just want me out of my house which I am trying to repay. I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.

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