vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I'm a veteran, In XXXX I took a huge pay cut, I have a mortgage through Bank Of America and was forced out due to foreclosure threats from them. I did make an attempt to file a deed and lieu, and sell the house, but BOA declined all offers to help. After 10 years of this, and 7 years of renting in another city, I applied for a VA mortgage to buy another home i'm being told that the deed in lieu was never filed by BOA. I'm thinking it is ok to buy another home, but that is not the case. I'm looking for someone to look further into this issue for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT AND DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/2018, XX/XX/2018, AND XX/XX/2018. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc.
State: IN

Complaint narrative:
MARS is still stating the old amount that we owed. On XX/XX/XXXX XXXX XXXX at XXXX at XXXX XXXX XXXX  agreed to take off {$850.00} of the amount that we owed. We had already paid 30 % of the amount that we owed plus the {$850.00} we should only owe a little over {$300.00} now. MARS is still reporting to the old amount before the {$850.00} was taken off. XXXX XXXX said that she has reported this to MARS more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There a numerous hard inquiries on my report for Auto Loans from the year 2017 and they were all made within 14 days of each other. These types of inquiries of the same nature should be shown as one inquiry however they are coming up individually. According to the FCRA this is incorrect reporting and violates the consumers rights. I would like for these hard inquiries from 2017 to be removed. Starting XX/XX/2017 to XX/XX/2017. 

There are also hard inquiries that reflect I requested credit from them, XXXX. XXXX and XXXX and XXXX. I have never requested credit from these people. They should be removed from all credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT AND DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Formally requested via phone on XX/XX/2019 at XXXX for contact to stop, as I have no debts in collection at this time. Have been receiving harassing phone calls daily from several numbers attached to XXXX XXXX XXXX for the past week. 

XXXX and XXXX are the most recent numbers. After blocking the XXXX number, they now call daily from the XXXX number. 

I have no debts in collection and they try to elicit money from me daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation
State: CT

Complaint narrative:
Beginning about 6-7 months ago, I have received at least 10 debt collections notices ( amounts ranging from {$17.00} - XXXX ) from a company claiming to be TRS Recovery Services, XXXX XXXX XXXX XXXX, XXXX, Georgia, for individual/on-going purchases made at XXXX XXXX, allegedly by me. With the exception of today, prior phone calls to TRS ( XXXX ) were automated and took me around in a circle. Upon receipt of the initial demand ( approx. {$40.00} ), I contacted XXXX ( who advised me that there was no activity on my account since 2017 ) and froze my account ( today I cancelled it ). Per info on the back of the collection notice, I emailed a dispute to TRS as these purchases were NOT made by me. TRS mailed me a " TRS Forgery/Identity Theft Declaration '' requesting my social security number, bank account numbers and photocopy of my state issued drivers license ( I did NOT fill out this form or give any information ). Today I contacted XXXX again, who verified that my account is closed and that there has been no action on my account since 2017. I also called TRS and was actually able to speak to a human being. The man told me I needed to dispute the charges and send in the theft declaration. I refused, telling him I made no such purchases. I demanded the name of the financial institution tied to the fraudulent checks being sent to XXXX in my name. He told me XXXX XXXX with the last four digits of the checking account being # XXXX. I called XXXX XXXX Fraud Unit, who confirmed that I do not have/nor have ever had a checking account or any type of account with their institution. The XXXX XXXX fraud investigator suggested I contact the Federal Trade Commission, who subsequently referred me to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT AND DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XX/XX/2019 Suntrust Bank placed an hold on my business account for no reason and my {$7200.00} has been held until today. I tried to contact Suntrust several times but they keep telling me that my account is under review. This issue really affected my business, it has been 2 weeks now and I can't do any business transaction while my capital is held

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I WAS CONTACTED BY THIS COMPANY TIMESHARE REGISTRY INTERNATIONAL ON XX/XX/08 AND THEY WERE TO PERFORM A SERVICE FOR ME WITH MY TIMESHARE AND I PAID THEM XXXX ON MY CHASE VISA CREDIT CARD. AFTER PAYING THEM I HAVE NEVER RECEIVED ANY CALLS FROM THIS COMPANY AND I HAVE TRIED TO CALL THEM BUT NEVER GOT AN ANSWER. I HAVE CONTACTED CHASE CREDIT CARD AND THEY TOLD ME THEY COULDNT HELP ME THERE WAS NOTHING THEY COULD DO. I AM THERE CLIENT AND THEY SHOULD BACK ME ALL THE WAY SINCE I WAS FRAUDED OUT OF ALL THIS MONEY BUT THEY DID NOT. I LIVE ON A FIXED INCOME AND HAVE TRUSTED THIS AND OTHER COMPANIES TO FOLLOW THROUGH WITH WHAT THEY TOLD ME BUT STILL THE CREDIT CARD SHOULD BACK ME AS THERE CLIENT. PLEASE HELP ME GET MY MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: AES/PHEAA
State: PA

Complaint narrative:
I have been making payments towards PSLF since XX/XX/XXXX. I have confirmed that I meet all of the mandatory specifications to be enrolled. I verified my employment and was told since XX/XX/XXXX-XX/XX/XXXX that I had only made 26 qualifying payments.. This was a major surprise as I had been making payments every month on time with the exception of 2 times since XX/XX/XXXX. The problem lies in the transparency of Myfedloan in stating the " minimum balance '' correctly. For example, on the screen in black and white text, it would say my minimum due was " {$130.00}. '' I would then make an on time payment for " {$130.00} and I would receive an email saying " my payment was accepted and received. '' However, when I went to verify my employment with PSLF and have my payments credited toward my 120 qualifying payments, they claimed there have only been 26 qualifying payments since XX/XX/XXXX!! Without my knowledge and consent, they were applying the overage ( since I was rounding up payments ) to my principal, then the following month they would deduct that overage and say THAT was my minimum due ... Then I assumed, the minimum due was ALL I OWED to make a qualifying payment -- but it wasn't! Why am I being jeopardized for making an on time payment ABOVE the minimum? This was VERY misleading and NOT transparent. For instance, if I make a payment to XXXX, and pay the minimum due ( let 's say min is XXXX and I pay XXXX ) my payment is applied to my overall balance and the next month the minimum due STATES what I owe to make a qualifying minimum payment most likely still {$100.00} -- whatever I apply to the payment ( as long as it meet the MINIMUM required -- anything extra above and beyond the minimum still counts towards my payment!!! ) I am asking for my previous on time payments to be applied towards the 120 qualifying payments. I am also asking for there to be a change in myfedloan 's system -- where they are mandated to report the CORRECT minimum due according to " the persons 120 qualified payment amount '' regardless of what the person pays over and above that minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
In XX/XX/XXXXof this year I noticed that my loan was under the 78 % threshold to have the PMI removed from my loan. I spoke with PennyMac usa customer service and was informed that it was an automatic process and my account would be reviewed and as long as it was current the PMI would be removed at that time. On XX/XX/2019 after realizing that the removal had not occurred I contacted customer service again, this time informing them that my LTV was now at 67.60 %, significantly below the threshold. I was informed that I will need to get an appraisal to ensure that the home value has not diminished. I disagree that an appraisal should be required at this point. I have done many improvements and the value of my home has risen quite considerably. It seems that the language in the Homeowners Protection Act would protect me in this situation. In addition, when requesting specific information on PMI and the review date to remove it, the agent could not provide the info. The excuse was that all that information was on scanned copies of paperwork submitted in closing that were not labeled, and that it will take research to provide that information. I pointed the obvious conflict that if there was a scheduled review date then it should be recorded in the system. 
I would prefer the PMI be removed as soon as possible. 
Thank-you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
Contacted FCO numerous of times to dispute and have them reverify ownership and balance owe after being denied rental property for debt being on credit. In attempts I was told that the third party could not be reach there fore the debt should be paid by myself. Was also talked to very rude and was denied further communication if I was not will to work out a resolution for debt owed. Representatives refused to acknowledge dates if information verify after initially picking up account. Sent letters and had caseworker reach out to get issue resolved. Went over documents that I had on file and did not match with FCO documents. Was told that the information they had was verified and correct. But they were all dated two years ago. Was told that it did not matter that I was in a third party housing program was they lost funding I was responsible for debt owed. Only because lease had my name on it. Tried to explain that the program was to establish secure housing with financial responsibility on the program. Was still told very rudely that debt it mine and that I would be hung up on if I did not wont to resolve. Was also told that certain identification info was not relevant to my situation..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
cfpb I'm asking your company to Take action on Transunion due to Fraud On my credit report on XX/XX/19 and XX/XX/19 I recieved letters from Transunion claiming that a XXXX  accout XXXX was deleted from my credit file after reviewing my credit report closely I noticed that Transunion had made up a different account number with the same creditor and took that information and reporting false info on a different account number this is a violation and fraud I have contacted a lawyer to discuss a lawsuit this is Just not right. Since Transunion is doing fraudulent activities I'm really concerned about this matter CFPB Please Look into this matter very serious! cfpb please look at the account number that they sent out to me saying the account was deleted and Look at XXXX report with the same account number. and now look at the account that transunion has made up and transferred info to a bogus account number i just CAN NOT BELIEVE THIS MY XXXX  Since I have seen this I'm going to excercise my rights On FCRA 609 I Want and need everything down to the consumer contract the law is very clear Disclosures to consumers [ 15 U.S.C. 1681g ] ( a  ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 )  All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and I just CAN NOT BELIEVE A COMPANY WOULD SO SUCH A THING I SWEAR ON MY KIDS LIFE A LAWSUIT IS COMING I PROMISE YOU THIS IS NOTHING BUT FRAUD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX, WI XXXX insists that I had a revolving account with them that went unpaid and has filed a negative credit report despite my numerous calls to them to explain that I have never, ever had a XXXX XXXX XXXX credit card. These people don't listen. I was a victim of identity theft years ago by a person I was temporarily helping out with housing and this debt was apparently part of that. In addition, I had just had a XXXX XXXX   XXXX before the dates mentioned and had no reason to purchase clothing because I didn't go anywhere for nearly a year afterwards. 
I have asked that XXXX XXXX XXXX produce a document with my signature or other agreement proving that I applied for credit with them but they have thus far been unable or unwilling to provide it. The irony is that this is a clothing store with clothes made primarily from synthetic fabrics to which I am allergic. I am able to wear only natural fiber clothing such as cotton and linen. They do not have clothing I could or would wear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have an XXXX XXXX XXXX credit card issued by Wells Fargo Bank NA. I recently purchased wedding/engagement rings totaling {$19000.00} on XX/XX/2019. The special financing they have was zero down, 9.99 % with equal payments over 60 months. On XX/XX/2019, an account statement was generated showing a payment due on XX/XX/2019 in the amount of {$410.00}. {$410.00} x 60 payments equals {$24000.00}. When amortizing the amount financed over 60 months with equal payments of {$410.00}, this translates into an APR of about 10.5 %. Using an exact days method of accruing interest, for it to be 9.99 % APR, the payment should be {$410.00}. This is only {$4.00} per month, but over the life of the loan, its {$280.00} of what appears to be over charged interest. 

I called Wells Fargo customer service on XX/XX/2019 and was told, at multiple levels, that all they know is they have a " payment factor '' of 2.1465 % and refused to provide any additional information on how the equal installments were being computed as well as refused to provide any sort of amortization detail to prove out the payments. 

The 9.99 % APR they claim they offer is not 9.99 % and although minor in dollars at the individual borrower, it is significant if you multiply it by hundreds or thousands of individual borrowers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Marlette Funding, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX In reviewing my credit report I noticed that in the last 24 months this company has requested a soft check 17 times without my permission Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX When calling the number listed on the credit report I was not able to get a person to answer the phone. Currently on 30 minutes of a recorded commercial for their best egg loan service.

Company response to consumer: Closed with explanation