vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JH Portfolio Debt Equities, LLC
State: LA

Complaint narrative:
The company contacted me on XX/XX/XXXX with a VM telling me that I have been summons to court and legal action will be taken with a number and case number to call. I did not recognize any information that he was giving so I proceeded to call and got on the call with a representative that told me that I would be served at one of the addressed listed if I do not pay a certain amount I repeatedly inform the rep that I did not know of a XXXX XXXX, and or another name they called. The rep went on to say that they are XXXX company that is representing them I asked why I have not been served and how can I get a summons on acct information that I did not sign or authorize use. The rep kept insisting that I make monthly payments and or full settlement offers. I decided to move forward with my complaint because I felt that I was being threaten to make a payment ore I would have to go to court, I do have the conversation recorded on my phone and the voicemail that was left.

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 2018-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX XXXX called my job requesting a payment I ( XXXX XXXX ) explain to him I did n't have it at the time he then proceed to ask me about my husband acct stating that he was past due and needed a payment as well. I told him I would give him he message he said why you ca n't pay it he paid yours. I told him that 's not my loan and he should not be discussing his info with me. On XX/XX/XXXX I receive another call at from Tower Loan he said his name was XXXX demanding a payment I told him I spoke w/XXXX on yesterday and explain I want have the money till the XX/XX/XXXX. XXXX  said we need it before then I told him I understand but I do n't have the funds right now but I would try my best to get in but I know for sure I would have it on the XX/XX/XXXX. So as I promise the payment was paid by the XX/XX/XXXX. On the XX/XX/XXXX I  called Tower Loan on XXXX XXXX XXXX XXXX XXXX MS XXXX and spoke with XXXX to let him know I would be in on the XX/XX/XXXX of this mth to make a payment he then proceeding to say that is to late we need a payment by the XX/XX/XXXX and then he asked why my husband have n't paid on his acct I told him that he was inviolation of his privacy and should n't be discussing his acct with me he response was your his wife it do n't matter I told him it does matter and not to discuss his business. On the same date XXXX visited my home and left a collection letter on our vehicle and door after speaking with me on the phone earlier that day.On the XX/XX/XXXX XXXX called me at work about payment again I told him I told you I want have it till the XX/XX/XXXX he stated if you going to have It on the XX/XX/XXXX you have it now I asked him if I could call him back he said no I said I have a customer and hung the phone up customer .XXXX called my job right back and said we need that payment today I said do n't call me at work any more I am busy and hung up the phone XXXX called right back and asked an employee for the garnishment number which was given to him. Then XXXX called back again to try to speak with me and I disconnected the phone call. I have been harassed constanly on my job and my home my privacy has been violated and I have been threaten. The employees at Tower Loan XXXX XXXX XXXX XXXX XXXX MS XXXX are rude disrespectful not to mention very unprofessional .They have embarrassed me on my job with multiple calls after been asked several time not to contact me at wrk.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I have several hard inquiries on my credit with the date of XX/XX/XXXX and I never authorize them to check my credit. They did it with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I have several hard inquiries on my credit with the date of XX/XX/XXXX and I never authorize them to check my credit. They did it with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Contacted SunTrust talked to several reps and also customer service since XX/XX/XXXX. Was told I could n't lower payments or move a payment due to financial hardship even after being told I could by 4 other bank employees. Girl in collection was rude. 
My loan payment is due on the XXXX of every month. I called and requested this way before hand.

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 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is falsely withholding pertinent information regarding my credit file. I have called repeatedly and they would say they were transferring me to a speciality handling department, and then after transferred I asked them what kind of department was this, they would not give me a clear answer as to what this department really is. I have also noticed that Equifax posted a score that was lower than my actual score. I have called and advised them they that is was wrong based on my product they then blocked me from viewing my point and this is ongoing. I called this evening to advise them I was having the same problem and they said I would be able to get in tonight and it is still showing the same exact thing. I once told the rep I was recording the call he immediately transferred me to a department that played a message and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: IL

Complaint narrative:
XXXX inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. I am losing thousands of dollars because of their inconsistent and therefore inaccurate reporting. 

My report dated XX/XX/XXXX showed 7 90 day lates. Also the history shows that in XXXX it was 4 times late but then in the report dated XX/XX/XXXX shows it 5 times late. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. Then on my report dated XX/XX/XXXX the information changed to 33 90 day lates. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a 108 point difference between XXXX and Equifax. At a minimum I am requesting that this company report to Equifax the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from Equifax allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screen of my XXXX and XXXX credit reports showing the difference in reporting which is causing the Equifax credit score to be retarded by 108 points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the Equifax score and the XXXX score ( Fico reason codes ) is that Equifax is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if XXXX is deliberately misreporting this item ( with recent delinquent activity ) on Equifax in order to damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX ran my credit with out 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 2018-01-12 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: FL

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Sent letters to credit bureau asking for how they verified information to be accurate for it was not. They keep stating it meets FCRA requirement however never send me the information that I am looking for and that proof the account is mine and how did they verify said account. 

XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1900.00} XXXX University I never attended. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. 

My report dated XX/XX/XXXX reported 14 90 day lates. But then on my report dated XX/XX/XXXX the information changed to 31 90 day lates. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a 108 point difference between XXXX and XXXX. At a minimum I am requesting that this company report to XXXX the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from XXXX allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screens of my XXXX and XXXX credit reports showing the difference in reporting which is causing the XXXX credit score to be retarded by 108 points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the XXXX score and the XXXX score ( Fico reason codes ) is that XXXX is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if Capital One is deliberately misreporting this item ( with recent delinquent activity ) on XXXX in order to damage my credit score. 

Several months ago I negotiated with Capital One and paid off the outstanding balance and as a part of the settlement agreement they agreed to remove the payment history which they did follow through with on my XXXX credit report however they did not on XXXX  and you can see the result in my credit score disparity as explained above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX ran my credit with out my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX ran my credit with out 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 2018-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
I received a letter in the mail dated XX/XX/2016 stating that I owed my previous apartment complex the XXXX at XXXX for damages pertaining to carpet replacement for a fee of XXXX, stove top replacement XXXX, blind replacement XXXX and an extra cleaning fee of XXXX. I called the complex the following day to find out how they came up with these charges. I spoke with XXXX and she could not even describe a specific location of where the carpet was damaged. She also told me she was unsure of how they were charging me for blinds but I need to pay up. I also sent them a certified letter asking for proof. They failed to respond to the letter but instead sent the bill to a debt collection agency. Also I asked for proof of the damages with pictures and bill receipts showing the work was done and I never heard back. I am writing to inform you of the unfair practice of the XXXX at XXXX XXXX. They need to be thoroughly investigates as I am worried that I am not there only victim. I have a lawyer and have disputed these charges. 
thank you kindly.

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 2018-01-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Not sure where to start. But recently we decided to rewrite our loan with a local bank ( XXXX XXXX ) because our PNC loan was sold to XXXX and then XXXX XXXX. 
After going over paper work with this reputable man at XXXX XXXX, we found out that back in XXXX, when we were forced into a foreclosure program ( PLEASE KNOW this wasnt our fault ). 
I ( XXXX XXXX XXXX ) had lost my job like many others. They were saying on the news to contact your mortgage company for some options, to keep or sell your home. 
PNC did a BAD thing ... .they have done this to SO MANY OTHERS ... they put us into foreclosure and we were NEVER behind a single payment. WE HAVE PROOF! 
I have records of EVERYTHING and yet going up against a big business like PNC feels hopeless. Please tell us we can get help! 
As we went to rewrite our current mortgage recently, we found out that PNC had rewritten our loan to a 40 year mortgage to help us out. This we understood. We did not want to leave our home, especially because we did n't HAVE to. But what we recently learned was ... .PNC had taken all our equity put into this home. {$25000.00}!!!!! We have lived in this home since XXXX and we have NOTHING to show for it thanks to PNC!!! 
We are sick!! We do not want this to happen to anyone else. THIS WAS A SCAM. 
As I researched online to see if there are any lawsuits against PNC, I came across SO MANY others that were put into the same scam!! How sad is that??? 
**Please PLEASE help us** ... .this was done unfairly. This was done to us while we were under attack and scared. This was done UNJUSTLY because we were never behind in any payments ... .all we did was ASK what our options were. 
I hope I have given enough information here and I welcome you to call me/us. 
Thank you very much for reading our complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: IL

Complaint narrative:
XXXX XXXX inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. 

My report dated XX/XX/XXXX reported 14 90 day lates. But then on my report dated XX/XX/XXXX the information changed to 31 90 day lates. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a 108 point  difference between XXXX and Equifax. At a minimum I am requesting that this company report to Equifax the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from Equifax allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screens of my XX/XX/XXXX and XX/XX/XXXX credit reports showing the difference in reporting which is causing the Equifax credit score to be retarded by 108 points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the Equifax score and the XXXX score ( Fico reason codes ) is that Equifax is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if XXXX XXXX is deliberately misreporting this item ( with recent delinquent activity ) on Equifax in order to damage my credit score. 

Several months ago I negotiated with XXXX XXXX and paid off the outstanding balance and as a part of the settlement agreement they agreed to remove the payment history which they did follow through with on my XXXX credit report however they did not on Equifax and you can see the result in my credit score disparity as explained above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a refinance offer from Chase ( my current mortgage company ). It stated they would lower my interest from 4.75 to 3.75 and my APR would be 4.22. I called Chase and worked with XXXX XXXX. She was really nice and assuring and when I provided the offer number on the letter to her, he confirmed the rates and asked me if I wanted a 15 year or a 30 year refinance. I told her 30, because I 'd like a lower monthly payment. She pulled my credit and said my scores were great ; XXXX 's. I filled out all sorts of paper and sent her everything she required of me. Several weeks later I get a call from her telling me that the underwriter is requiring her to contact me and make a counter offer of a 20 year refinance. I 'm like .... I have 21.5 years to go on a 30 year loan. I want a longer loan, not a shorter one, so I can have a lower payment. She apologized and told me that this was the first time she 'd been required to do this and she would let the underwriter know that I wanted the 30 year refi. I get a call a day or so later from XXXX, telling me that I was n't approved for the 30 year, they could only do the 20 year. I told her the letter did not offer me a 20 year loan. It offered a 30 year. I never asked for a 20 year. She did n't seem to know why I was being denied and said well maybe it 's because your APR will be 4.55, and since it 's not dropping at least half a point, the underwriter decided not to approve. I said where did this 4.55 come from? You told me 3.75 interest and 4.22 APR. Would it be approved if you put down the APR that you told me it was going to be? She really did n't seem to know how to answer me. I told her I feel like I was tricked. Like they had tried to pull a bait and switch on me and I sent a message to their XXXX page advising them of what I had been put through. I was contacted by a nice lady name XXXX who seemed to know even less than XXXX, and she was n't able to help me either, nor give me any explanation as to what happened with my original loan offer. All I wanted was to refinance my loan and lower my monthly payment. All I got was a big waste of time and a lower credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX run my credit with out my authorization.

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 2018-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX I disputed this account about charges that they told me they was going to look into. I call time after time and they told me some one would get back with me. 
I wrote and disputed this account with 3 letters before it was turn over to collection and disputed it with no follow up on there part and mailed 2 letters disputing the account. And was talk to crazy on the phone and threating me to pay them XXXX XXXX. 
I 'm also being talking to some one of my legal rights rather to sue and show documents to the account or resolve it.

Company response to consumer: Closed with explanation