vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-30 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: TX

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 2018-07-30 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: TX

Complaint narrative:
I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX  Total amount owed {$4300.00} XXXX XXXX XXXX   Total amount owed {$1500.00} XXXX XXXX Charge off account XXXX XXXX XXXX  Charge off account. ( {$470.00} ) XXXX XXXX XXXX   Credit Card Charged off Account. ( {$4800.00} ) I was XXXX  XX/XX/2015 and served 5 years with half time for my XXXX  XXXX. The police have my property ( wallet & Jewelry to my room mate without my consent at the time of my XXXX. My room mate then used my cards and maxed them out, emptied the {$3700.00} in my bank account and used my leased vehicle without my consent or knowledge. There is no way for an inmate to cancel their cards, make payments or even contact the merchants. I knew he was doing these things and nothing I could do. I was only just released from XXXX and the room mate " XXXX XXXX XXXX '' is deceased and so I can't even file a police report against him. All my mail was returned to sender, these credit card companies dint give me the statements to my cards si that I I can dispute what is and isn't my charges. I've started to pay off these debts knowing that part of charges are mine but I know I only had about 3,000 in debts. The XXXX XXXX I never signed up for and has told them from day one that it is fraud and I suspected XXXX without proof until after his death in which his mom found past due notices in his desk at his moms home with my name on it. 

What do I do? I'm willing to pay for part these charges but not the amounts they want especially since most charges are fraudulent. Please help, I'm trying to put my life back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: Freedom Mortgage Company
State: VA

Complaint narrative:
I have attempted on four separate occasions to correct this problem via the credit bureaus. It appears that Freedom Mortgage is not will to correct the issue. Per their own correspondence to me, they stated they would report the account as " Settled in Full for less than Owed. '' They are however reporting this as a foreclosure and it cost me finances on XX/XX/2018.

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 2018-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
On XX/XX/2018 united west collections contacted me and was very angry that I made a complaint w cfpb.

I was yelled out I was told incorrect things I continued to tell the male rep that I never received information about this debt. That by law I should have been given a letter detailing this debt before it was put on my credit report.

He insisted some computer generated 3rd party agency sent the original letter BUT he had no date or postal verification Stop this company from harassing me, stop them from not following the law, and remove his erroneous collection from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: CT

Complaint narrative:
I began mortgage rate shopping on XX/XX/XXXX for both a refinance and a new home purchase. Between XX/XX/XXXX and XX/XX/XXXX, I rate-shopped with approximately 5 lenders, who all made hard inquires into my credit reports. I chose a lender and refinanced my current home. There was an issue with this lender and I had to find a new one, and  began rate shopping again on XX/XX/XXXX, with an approximate additional 5 lenders, and stopped on XX/XX/XXXX when I settled with a new lender. 

Each of these lenders assured me that rate shopping would not hurt my credit score because, as it says on CFPB 's website, " within a 45 day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry ... you can shop around and get multiple pre-approvals and official Loan Estimates '' ( https : //www.consumerfinance.gov/XXXX  ). 

My credit score has dropped approximately 30 points on XXXX, XXXX, and Equifax as a result of these hard inquires. When I called XXXX and Equifax, both of the representatives told me that CFPB 's information is wrong, and that my score will decrease each time a hard inquiry is pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: CT

Complaint narrative:
I began mortgage rate shopping on XX/XX/XXXX for both a refinance and a new home purchase. Between XX/XX/XXXX and XX/XX/XXXX, I rate-shopped with approximately 5 lenders, who all made hard inquires into my credit reports. I chose a lender and refinanced my current home. There was an issue with this lender and I had to find a new one, and began rate shopping again on XX/XX/XXXX, with an approximate additional 5 lenders, and stopped on XX/XX/XXXX when I settled with a new lender. 

Each of these lenders assured me that rate shopping would not hurt my credit score because, as it says on CFPB 's website, " within a 45 day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry ... you can shop around and get multiple pre-approvals and official Loan Estimates '' ( https : //www.consumerfinance.gov/XXXX  ). 

My credit score has dropped approximately 30 points on XXXX, Experian, and XXXX as a result of these hard inquires. When I called XXXX and XXXX, both of the representatives told me that CFPB 's information is wrong, and that my score will decrease each time a hard inquiry is pulled.

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 2018-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have attempted on four separate occasions to correct this problem via the credit bureaus. It appears that XXXX XXXX is not will to correct the issue. Per their own correspondence to me, they stated they would report the account as " Settled in Full for less than Owed. '' They are however reporting this as a foreclosure and it cost me finances on XX/XX/2018.

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 2018-07-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have attempted on four separate occasions to correct this problem via the credit bureaus. It appears that XXXX XXXX is not will to correct the issue. Per their own correspondence to me, they stated they would report the account as " Settled in Full for less than Owed. '' They are however reporting this as a foreclosure and it cost me finances on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ALL CRA REPORTING PUBLIC RECORDS ON CREDIT REPORT ... I NEVER HAD ANY BANKRUPTCY AND ALL AGENCIES REPORTING INCORRECT " PACER '' DATA ON FILE/ NOT MY ACCOUNT ..CASE # XXXX..VIOLATES FCRA PROVISION 604,605,607,611 AND 623 ( A ) ... REMOVE FROM CREDIT REPORT ASAP [

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 2018-07-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ALL CRA REPORTING PUBLIC RECORDS ON CREDIT REPORT ... I NEVER HAD ANY BANKRUPTCY AND ALL AGENCIES REPORTING INCORRECT " PACER '' DATA ON FILE/ NOT MY ACCOUNT ..CASE # XXXX..VIOLATES FCRA  PROVISION 604,605,607,611 AND 623 ( A ) ... REMOVE FROM CREDIT REPORT ASAP [

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 2018-07-30 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: TN

Complaint narrative:
TRANSUNION IS REPORTING INCORRECT ACCOUNT INFORMATION ON MY CREDIT REPORT. THIS ACCOUNT WAS REMOVED A YEAR AGO DUE TO ACCOUNT NOT BEING MINE.

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 2018-07-30 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: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX - XXXX did a XXXX  credit check on XX/XX/XXXX Sears/cbna did a XXXX and XXXX credit check on XX/XX/XXXX Sears/cbna did a XXXX and XXXX  credit check on XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX did a XXXX  credit check on XX/XX/XXXX XXXX XXXX did a XXXX  credit check on 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 2018-07-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: UT

Complaint narrative:
I receive Social Security monthly. Since I do not have a bank, Social Security recommended the XXXX XXXX card to have the money deposited on. On XX/XX/2018 an ATM withdrawal of {$300.00} plus atm fee of XXXX was deducted from my card at a XXXX in Washington State. I live in Utah. When I contacted XXXX XXXX they said they would review it an add the {$300.00} back on if fraudulent. They sent me a letter determining it was fraudulent, however, instead of adding {$300.00} they deducted an additional {$300.00}! I have called them no less than six times! Each time I was transferred to a supervisor and told to " wait '' as they had no way of taking care of this problem. It would just be taken care of within the system as they had already alerted their other department. I was told this on the XX/XX/XXXX!!! It is now the XX/XX/XXXX. I have no money for food or rent! I then went into the Social Security Office. They told me the money they sent to XXXX XXXX was sent back to them. They also said they would try to resend it. XXXX XXXX said they never returned the money. Social Security said NOT THEIR PROBLEM and to only talk to XXXX XXXX. XXXX XXXX knows nothing about returning the Soc Sec money back to Soc Sec and can not do anything about The now missing {$600.00} ( the initial theft and then the addition XXXX XXXX   deduction ). This whole scenario is convoluted and neither companies are willing to speak with each other or help me, so I am appealing to you. Again.. I have no funds available for food or rent!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: MS

Complaint narrative:
On XX/XX/2018 I mailed the credit bureau a letter requesting them to remove dismissed & unconfirmed bankruptcies from my credit report. I stated that I was outraged that their company continues to maintain multiple dismissed ( filed ) bankruptcies as confirmed on my credit report. These unconfirmed, unverified, and dismissed ( filed ) bankruptcies have stopped me from obtaining credit. I know for a fact these companies receive information on bankruptcy from a third party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it the credit bureaus policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. They have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act they delete this from my credit report and send me an updated copy. 
Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a payment following my XX/XX/XXXX due date however Capital One applied it towards my XX/XX/XXXX-XX/XX/XXXX billing cycle as opposed to correctly crediting my XX/XX/XXXX-XX/XX/XXXX cycle. 
I made a payment for XX/XX/XXXX-XX/XX/XXXX on XX/XX/XXXX. This payment satisfied the amt due for XX/XX/XXXX. I made my next payment on XX/XX/XXXX, however they applied it to the previous cycle and did not correctly apply it towards XXXX. 

At there request I am paperless. At there request, I use there App for my acct management. The App lists the due date, it makes no mention of billing cycles, no information relating to which cycle a payment will be applied. The only information I have on there App 's acct info screen is the due date. I made my payments based on that date. Based on the info they provide the customers on the App, they did not apply my payment correctly, perhaps this is intentional and warrants a UDAAP review as it likely causes many customers to fall behind and allows Capital One to earn revenue generating late charges. 

I attempted to resolve this on XX/XX/XXXX at approximately XXXX. I called the customer service department and spoke with a CS Agent. That agent put me on hold to investigate, they could not explain the posting process. After being on hold for multiple minutes, I asked for an update and received no response. That agent then disconnected from our call and hung up. I believe she knew that she wasn't confident in CapOne 's reason for how they posted. I called back and spoke with XXXX ( XXXX ). She said they " couldn't change the payment ''. I requested she take an internal complaint and advised I'd be contacting the CFPB to complain as well. 

I believe there are potential UDAAP ( App could be deceptive in due dates ), FDCPA ( Acct not updating balance/amt due correctly ), and Reg Z ( payment not applied correctly ) issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX IS REPORTING INCORRECT ACCOUNT INFORMATION ON MY CREDIT REPORT. THIS ACCOUNT WAS REMOVED A YEAR AGO DUE TO ACCOUNT NOT BEING MINE.

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 2018-07-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bronstein & Weiss Arbitration
State: TX

Complaint narrative:
XXXX XXXX consistently calling repeatedly threatening me at my home and My Job. Attempting to collecting a debt with no specific info but he specifically says hes going file detained order to lock me up and freeze my bank account. He is ruthless aggressively threatening and extremely intimidating me daily calling at least 8 times a day!!!!!! Harassment at my Job and Harrasing my Husband!

Company response to consumer: Untimely response
Consumer complaint received 2018-07-30 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from

AMEX on BOTH my XXXX nad XXXX  credit report that i did not AUTHORIZED. I spoke with the AMEX Fraud department by phone once i was notified of these unauthorized hard inquires.

after being asked security questions by Amex i was told they will contact the Credit bureaus and have those Hard Inquiry 's removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by AMEX.

They did not remove those unauthorized hard inquires from XXXX and XXXX but allowed it to stay to intentionally hurt my credit score.

I contacted both XXXX  and XXXX on XX/XX/2018 and was told AMEX never contacted them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Ocwen loan servicing has been returning my mortgage payments since XX/XX/XXXX, lastly I sent a Cashiers check of XXXX for a written agreement for a repayment plan. 

I am actually behind about {$8000.00} but Ocwen imposed penalties and late fees. I should not be penalized at all for this mortgage fraud since I was in Chapter XXXX bankruptcy. Also, in XX/XX/XXXX, Ocwen told me I needed to fall behind in payments in order to qualify for a Loan Modification. Now ocwen is threatening Foreclosure. 

Please add me to the Class Action lawsuit against Ocwen for Mortgage Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
The company uses an automated dialing system with recorded messages. The message does not identify who is calling or the nature of the call but states the message is for someone I don't know and further states to hang-up if you are not that person which I did the first time they called. This did not remove me from their system as they called back several times. I called the number back to in an effort to have my number removed however the person who answered hung-up on me when asked for their business address.

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