vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am in the final stages of purchasing my home loan and the lender ( XXXX XXXX ) is not able to pull my credit report. They are receiving an error message that says that my file has been blocked or frozen. We have unsuccessfully tried to have this file pulled on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and i have called at least four times a week on the weeks beginning XX/XX/XXXX & XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the  information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Brclysbankde XX/XX/2017. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2018-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Several months ago I filed a complaint with the Consumer Financial Protection Bureau, against XXXX XXXX XXXX for reporting erroneous late payments to the credit bureau. 

I also file complaints against XXXX and TransUnion falsely lowering my credit score ; reporting incorrect late payments and refusing to remove inaccurate collections on my records. Today I reviewed my credit report and both credit reporting agencies are indicating I am 4 payments behind on my vehicle loan. The report is showing I am 30-90 days behind on my vehicle loan with XXXX XXXX. I am at the mercy of these credit bureaus because it takes 30 days for them to investigate and another 30 days for them to correct the error. Then the error appears back on my credit report. I have been fighting this since XXXX. I contacted XXXX XXXX and their representative says they are not reporting any late payments. Please tell me what to do

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 2018-10-29 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: Riverwalk Financial Corporation
State: TX

Complaint narrative:
This complaint is regarding XXXX XXXX XXXX claims I have a charged off, closed account in the amount of {$13000.00} that was apparently opened XX/XX/2018. I am writing to advise you that XXXX XXXX XXXX is in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. After researching XXXX XXXX XXXX on the Texas Secretary of State debt collector website I have found that XXXX XXXX XXXX  is not bonded in the state of Texas. I am requesting XXXX XXXX XXXX immediately delete this entry with all credit reporting agencies they are reporting this entry to due to being in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E.

The TEXAS DEBT COLLECTION ACT ( TDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. TEX. FIN. CODE 392.001 ( 3 ). Furthermore, Sec. 392.301 ( a ) ( 4 ) of the TEX. FIN. CODE prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Hi, I signed on to the chase checking account because I saw the {$200.00} bonus that came with opening an account. I had directly clicked " open now '', so that the coupon code would be applied directly. So I opened the account and set up the direct deposit as per the terms of the sign on bonus, however, after it's been over a month and I haven't received the bonus yet ( even though it should be after 10 business days ). I checked with them over email and they said that they could not apply it without a coupon code, however, as I clicked " open now '' directly from the promo page I had not received a code.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I applied for a new line of credit with Chase Freedom for the sole purpose of transferring the balances from three other accounts. Chase only approved one, but decided not to tell me this fact until I received it in a letter in the mail. They chose one account, but I'd rather it be from another account. The letter was dated XX/XX/XXXX, but was not received until XX/XX/XXXX. In the letter, there is an option to update or cancel balance transfers ( which is exactly what I want to do ) before XX/XX/XXXX, which is utterly impossible to do, so I called customer service call center for Chase, XXXX. According to the rude woman, I she can do nothing, even though I was not given this notice until XX/XX/XXXX. She couldn't have cared less and would not help me, which I found rude and frustrating. Why should I be penalized for slow mail? I asked for a supervisor- even though she was told about the situation, still managed to ask, how can I help you- she was even less willing to help than the regular rep. Frustration grew because I was talking to a wall- she was non-empathetic and did not care to help, so I requested someone else to talk to, someone who is more willing to do their job and help the customer. I then received a message stating that my number is now blocked from calling Chase, I am no longer allowed to call in, and that I must e-mail moving forward. Why am I being penalized for their mistakes? Help the customer! This is not a good beginning for a customer. Chase is too big to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
On XX/XX/2018 after documenting complaint # XXXX with the XXXX XXXX XXXX XXXX ; I received a letter from Select Portfolio Servicing , Inc . Proceeding to correct errors in my account, Select Portfolio Servicing , Inc. would be waiving late fees in the amount of {$1000.00} as of XX/XX/XXXX and I would see the update in my next monthly statement. 
As of the date of the letter the amount of my monthly bill was due for XXXX. 
On XX/XX/2018 I received another letter that was confusing. I have been paying {$930.00} for years and this letter stated that after they increased my payments to {$980.00} Select Portfolio Servicing , Inc. would be lowering these payments to {$940.00}. But how does that benefit me??? 
The letter also stated that Select Portfolio Servicing , Inc. did indeed over pay the property taxes. I explained that I have always paid them myself. But Select Portfolio Servicing, Inc. paid them anyway, In error, and now there is a big credit in my property tax account. 
Also on XX/XX/2018 I received a second letter that stated that I had no home owners insurance although I do. 
Shortly after the home owners insurance company attempted to cancel my insurance. 
Blessed, I have continued with home owners insurance without any lapse. 
More recently, I received a billing statement from Select Portfolio Servicing , Inc. that reflects an increase in fees and an additional sum of {$61.00} that I know nothing about along with an incorrect amount of total payments. 
If in XXXX Select Portfolio Servicing stated that I owed for XXXX. why does this billing statement reflect over 3 months behind? 
And why am I after all this time still paying 5 % or more interest when every other company is advising me that I should be charged 3 % or lower?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I received a forebearance as a result of my financial hardship due Hurricane Irma. I repeatedly attempted to work with Seterus regarding a modification. Three days prior to the forebearance expiring, Seterus informed me that I am not eligible for a modification because the loan has been modified 3 times already. One of the modifications was due to funds received by the State of FL due to the hardest hit program. The other second modification had an incorrect amount and the third modification was done to correct that amount and lower the interest rate. Seterus wrongfully denied me the modification. I am a XXXX year old veteran of the XXXX XXXX and I submitted all necessary paperwork to have the modification approved. I only asked that the back payments be added to the principal balance and the loan recalculated.

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 2018-10-30 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: World Omni Financial Corp.
State: FL

Complaint narrative:
Several months ago I filed a complaint with the Consumer Financial Protection Bureau, against World Omni Finance for reporting erroneous late payments. Today I reviewed my credit report and both credit reporting agencies are indicating I am 4 payments behind on my vehicle loan. The report is showing I am 30-90 days behind on my vehicle loan with World Omni. I am at the mercy of World Omni Finance Co. and these credit bureaus because it takes 30 days for them to investigate and another 30 days for them to correct the error. Then the error appears back on my credit report. I have been fighting this since XXXX. I contacted World Omni and their representative says they are not reporting any late payments. Please tell me what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing has threatened to foreclose on my home. I can not get anyone to give me a straight answer. I sent in a QWR months ago that they did not respond to. They sent a notice of default in XXXX 2017 but have not foreclosed yet but threaten and send bills and call constantly. I asked for a breakdown of all the late fees they are charging me ( {$30000.00} payments and late fees ) but will not send me a breakdown as to how they came about this number. What can I do? Please help. This company is impossible to deal with. I am trying to obtain an attorney.

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 2018-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX from approximately XXXX to XXXX Several fraudulent charges were made via my paypal account ( XXXX ). I received a mobile alert via XXXX XXXX XXXX XXXX and was also advised that my card was being placed on a suspended status for suspicious activity after money was transferred from my bank account to PayPal to cover the expenses. At this time I was in Texas using my Debit card to buy gas. After investigating the suspicious activity myself I was able to find out from Paypal that the charges came out of another state. Since I can't be in two places at once I figured this would be an open and shut case ; however, paypal is denying my claim, claiming they have " proof '' that I authorized the charges. I am willing to provide testimony under penalty of perjury that these were not my charges. As I understand these charges were for goods that were not tangible but electronic. After spending time talking to my financial institution and paypal that situation still remains unresolved. The following are the charges : I have provided a screenshot of my debit card activity that ranges from New Mexico to Texas during the time of these transactions. 

Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$24.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$49.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$63.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$9.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$5.00} ) Auth. DateXX/XX/2018

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I had issues while trying to make my payments online for my cabelas credit card I was assured that my payment went through over the phone but in fact it never did. I called again after I found out that my payment was over thirty days late via my credit report. Ive disputed with the credit bureaus and that didnt work. The first time I called I was told that no late payments were in their system. The latest time I called I was told that there is two late payments. I should not be faulted for issues with online payments and poor customer service. I closed my accounts as soon as problems started to occur. I will close my second capitol one acount as soon as I pay it off. I will not use them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian insulates themselves from consumers so that there is no way for a consumer to speak with a human on the phone. There needs to be a law that these credit agencies that harvest our personal information without our permission must provide a phone number with a person to speak with to resolve issues. 
I attempted to put a credit freeze on my acct with them and after filling out their online form, got an error message that said " Experian can not honor your request ''. There was no explanation why. They then said I needed to send all of my personal information through the mail to them ( Soc. Sec. number, full name, address, D.O.B, copy of gov, issued Id, copy of utility bill, etc ). This is not information I want getting into the wrong hands. I'm furious that this company is allow to use our ( american citizens ) person information for profit without any accountability. 
So I sent them a written request through the mail to freeze my credit. Instead of mailing me a confirmation that my acct has been frozen as requested, they sent me a credit report??? 
What am I supposed to infer from that? Is it a generic form letter they send to everyone for any inquiry with them, Did someone at experian make a mistake and issue a credit report instead of freezing my credit? I have no idea because Experian will not provide a phone number where the public can speak with a human. I would love to see a class action lawsuit against this company.

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 2018-10-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax has disputed XXXX XXXX 3 times or more for me since XX/XX/2017. I'm finally putting my foot down. I exercised my Fair equal credit rights & was rerouted several times getting different results. I asked the representatives to provide me with the exact information that XXXX used to authenticate me to Equifax & several could not find notations addresses or anything. The last representative was asked the same thing and lied using the information I had used while being pre screened or verified. Funny thing is they sent me my most recent credit file to a Ky address that could not be saved unless requested in writing. He took no time to blurt out my old Ohio address thats been on my file for many years ago. Equifax allows minimal informations for debt collectors because Equifax sold them this information in the first place. Equifax needs to have criminal charges filed for violation of my rights after trying to exercise them here in the United States. XXXX  & XXXX   removed this account in question several hours after the dispute. Equifax refuses no matter what I do to prove they are wrong which I have done multiple times lately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found these late payments on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation