vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am very aggravated with the credit reporting buraus, it impossible to remove the fraud alert from my own account, initially they remove the fraud alert from my account but after couple of day repair on my credit report again which prevents my landlord to pool my credit records do to of the fraud alert. Its been more than a month sins I've been trying to remove those alerts that spose to " protect '' my identity, instead it makes my life so stressful.

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 2019-04-18 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: TX

Complaint narrative:
I have 10 hard inquires some u dont recognize and some i do. I was very new to credit and didn't know hard inquires damaged my report i have good credit other then these inquiries and i need to get them removed before i get another loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i had a credit score of XXXX but noticed my mortgage account was not on my report. Whrn i inquuired about it it was returned and my score dropped 111 points. I would like to know why because that seems a liitle unfair to 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 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This collection agency is falsely reporting debt on my credit file as a result of identity theft. They have refused to cooperate with me and send me proof of my personal information and/or signed agreements. They started reporting negative invalid debt on my credit in XX/XX/2017. They hung up their phone on me when i called to speak with them about it. Agent refused to give me their contact name and was very rude. XXXX   and XXXX has investigated this company and removed them but XXXX has asked me to reach out to CFPB. Someone inquired an apartment in my name and i am not responsible for this debt. Please as Procollection Inc in XXXX, Tx to stop reporting negative debt on my file. ProCollect Inc is violating Texas Debt Collection ACt and Consumer Bureau and violation FCRA and my rights. 
ProCollect is falsely reoporting {$10.00}, XXXX. I have filed a identity report with FCRA.

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 2019-04-18 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: NJ

Complaint narrative:
I have written to Equifax about my credit report on several occasions ( XX/XX/XXXX, XX/XX/XXXX and called them a few times ). The first problem is that they have listed on their a XXXX bankruptcy from public records. I told them this is incorrect, and they still have it listed on there and show me no proof of where they received this information. I asked them to remove it. Still nothing to date. 

Second, I wrote to them and sent proof about XXXX XXXX c/o XXXX that my insurance paid the amount they are contracted. They still didn't accept this, and won't remove the inaccurate findings. 

Third, I have a XXXX XXXX c/o XXXX Account and asked for proof the debt from them and the proposed debtor as I don't recognize, nor did I ever have this account. To date, no information was provided and it still remains on my account. 

Lastly, XXXX is another health provider issue where my insurance paid the contracted amount, and I sent proof and they still have the information on my account. 

When I call them, they say they can't talk to me because of my identity issue. However, they can send me a letter stating that they completed the investigation and they state its accurate although I sent them proof. 

In addition, I have a student loan that is closed/written-off. Just in XXXX, they state that the loan monthly payment went up XXXX and my credit score went down 54 points because of this. Is this even legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I looked on my credit report and found this collection on my credit, however this account does not belong to me. I contacted the company and requested that they send me a signed application or anything that I personally agreed to in which they sent me nothing I told this company that the account was fraud and to please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
1. Noticed 2 hard credit inquiries from Synchrony Bank on XX/XX/2019 and XX/XX/2019. 
I did not authorize these pulls. I suspected fraud. There were no details about the source, nature, or reason of the hard pulls. 
2. I Called XXXX and froze my credit 3. I Talked to XXXX to dispute these hard pulls. They are investigating 4. XXXX told me to call Synchrony Bank to find out the details and ensure no accounts or cards were fraudulently opened. 
5. I called Synchrony and they could not find any records of the hard pulls. They told me to call XXXX   to find out the details around the hard pulls.

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 2019-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I made a check payable to the US Treasury Department on XX/XX/2018. A PNC customer ( named XXXX ) deposited the check into their own account ( it seems to be a business customer ). I have contacted PNC and XXXX and neither have responded despite my 3 times to contact them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
after wallet was stolen on XX/XX/2019. i called all credit card companies including bank of america in order to avoid any fraud taking place on my accounts. once new cards were issues i requested for a security code to be placed on my account. with a security passcode on my account bank of america still accepted payment over the phone not done by me and had it reversed 2 times. after the first one occurred i called bank of america to advise of the activity and they did in fact state it was fraud yet days later accepted another one. now my account is closed due to their breach of security and inconsistent concern of my privacy. due to their negligence not only is my account closed but they are not re opening the account either because of those payments that they accepted.

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 2019-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Ive been a capitol one customer for decades and I made my payments on time and never been late or had any past due amounts and sending larger payments so I can have a better credit score ....  few months ago around XX/XX/2019 capital one ended there relationship with me because they were telling me that I opened up too many disputes under my credit card some of the disputes were open up without my permission and most of them were done by my guardians and my wife and I was out of town and capital one will not re-open my account and revoke my credit card and I lost 60 points off my credit score I was very disappointed and sad capital one was my first credit card and the best bank and they let me down and I dont want to re-apply Im willing to talk to them and work out a deal to restore a credit card relationship with capital one ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Approximately 8 years ago I spoke with a representative from Navient as I was struggling with paying my student loans. I had actually asked about the Public Service Loan Forgiveness and was told that it wouldnt be right for me. Instead of making my loans direct loans which would make my monthly payments qualify for this forgiveness, they put me into an income driven plan. I only found out very recently that this was the wrong thing to do. My loans would have been forgiven after 120 payments. I have since learned from outside sources that I still need to consolidate my loans into direct loans and then make another 120 payments. At this point I have already been paying my loans for 13 years!! I am furious that they scammed me into paying so much more than I needed to. I trusted Navient to steer me into the right choices and they failed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: DISCOVER BANK
State: CO

Complaint narrative:
Discover allowed an unauthorized person to get added to my account and charge over {$10000.00} worth of fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI

Complaint narrative:
My mortgage was sold to penny max and they raise the interest rate up over what I closed at. I was at around 4.5 and now Im close to 6 percent. This makes a big difference on the payment and over all loan amount. Can you help me with this. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A.R.M. Solutions, Inc.
State: SC

Complaint narrative:
XXXX XXXX : A.R.M. Solutions, XXXX, CA, Phone XXXX I talked with Small Balance Department Manager, XXXX, ID # XXXX on XX/XX/2019 at around XXXX XXXX. ET. 
They sent a collection letter on XX/XX/2019 stating that I owe {$45.00} to XXXX XXXX ( newspaper ),. Subsequently the charge was canceled by the XXXX XXXX after my discussion with them. XXXX says my account is closed. I requested a letter verifying that the account is closed, but the manager said she can't send it. I need something in writing that this matter is closed, in case this issue shows up on my credit report. 
Please help how to get that the account is closed in written form.

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 2019-04-18 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: CITIBANK, N.A.
State: OH

Complaint narrative:
The credit card company was authorized to draw more than 30.00 out of my checking account on automatic payments. This month the company drew on 30.00 and an extra 420. Without my authorization. 

Best Buy VISA Card/Citi Bank

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 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover allowed an identity thief to access my account for fraudulent charges during XX/XX/2016. The following transactions were never investigated, or credited back to my account even though I provided proof that they were not made by me. 


XXXX. Date Post Date Description Amount XX/XX/16 XX/XX/16 XXXX  XXXX 'S # XXXX XXXX XXXX CO {$2.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX CO {$3.00} XX/XX/16 XX/XX/16 XXXX  XXXX 'S # XXXX XXXX XXXX CO {$38.00} XX/XX/16 XX/XX/16 XXXX XXXX 'S # XXXX XXXX XXXX CO {$7.00} XX/XX/16 XX/XX/16 XXXX XXXX - XXXX XXXX CO {$28.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX CO {$14.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX  XXXX XXXX {$27.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
1. I am currently on a repayment plan with JC Penny Synchrony Bank of {$64.00} per month not {$120.00} per month. Since the XX/XX/2019 a payment of {$120.00} per month has been taken out of my checking account from XXXX XXXX XXXX. 

2. I have sent JC Penney Synchrony bank numerous emails informing them of the discrepancy with my JC Penny store credit account bill. 

3.

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 2019-04-18 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: OH

Complaint narrative:
I checked my credit and seen XXXX XXXX I've never had an account with this credit card company the account was fraudulently opened under my name

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 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: DMEC Capital Services LLC, DBA Settle Our Debt
State: FL

Complaint narrative:
I started a contract with this company XX/XX/2018 to settle debt with 2 online pay day loan companies XXXX  XXXX and XXXX XXXX upon entering the program I owed XXXX and XXXX settle or debt after looking at the account they set up with XXXX XXXX I had funded the account XXXX and only XXXX had been paid to my loan I asked how much do I still owe they said XXXX I said how so withdrew from the program and ask for a refund, I then discovered they had taken over {$700.00} for fees to them selves, I received a email from them that I signed a contract that pays them 40 % of the projected interest and I could receive a refund if I gave proof of no interest I sent them a email from XXXX XXXX no interest XXXX to settle the loan haven't heard back from them they are getting more than the creditor themselves Please help me recover my money.Thank you in advance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-18 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I've checked my credit and seen this company reporting on my report I have no knowledge of this account and it is a result of fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have an account with BBVA Compass. They have held two consecutive paychecks for undefined amounts of time. When the deposit is made, they do not tell me how long the check will be held. The last time it was 9 days. I have no clue how long my current check will be held. It is not listed on the receipt nor can they tell me when i call customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am being sued by a debt collector from a credit card I never had, yet they claim I owe this money. This is a bogus credit card that I would Never have and dont know how this company obtained my information. XXXX Credit Card. I have Never heard of this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
XX/XX/2018 I paid {$100.00} they told me that my account was paid in full and that my account was now closed. 4 months later they are now calling my saying I owe {$290.00} in late fees and that they will take legal action if I don't pay they call about 15-20 times daily for the past two months, they text my phone 15-20 times daily as well, they call from block numbers all day long before XXXX and after XXXX the representive I spoke with was so rude to me I was pretty much forced to pay something even though I don't owe anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Dear CFPB customer service representative, I am writing to your office in regards to a 30 year FHA mortgage loan that I have been paying for the last XXXX years. My principal Complaint/Concern is that this loans MIP/PMI is still being charged even though the FHA loan criteria terms have been all met since XX/XX/XXXX. 
I need confirmation from the pertinent agency/department in regards to my LOAN # XXXX, which is an FHA loan, originated by XXXX XXXX in XX/XX/XXXX, then Sold to Nationstar, and now being serviced by Mr. Cooper. I have been paying PMI/MIP. for the last 5 years and 11 months. My understanding was that XX/XX/XXXX was the 5 year maturity date of the FHA pmi. And so, I am hereby requesting a formal review and ensuing confirmation that this PMI/MIP will no longer have to be paidAGAIN!. Previously when I called, I was told by NATIONSTAR ( My loan servicer at the time ) that the PMI/MIP will automatically be stopped at the 5 year anniversary. However, it hasnt been stopped as of yet. I want and need confirmation IN WRITING of such transaction so as to have the pertinent documentation on file for future reference. I am considering court action due to the corrupt bait and switch tactics employed by FHA in connection with the mortgage companyillegal and designed to saddle the homeowner with a PMI/MIP for much longer than necessary/stated. Point of fact, I met all of the criteria stated by the FHA regulation. However, I was not cleared of the PMI because of a catch 20/20. Meaning that the total amount due in 5 years will NEVER equal the 78 % LTV ratio. And, it is oddly designed to do that-on purpose. The 78 % LTV Ratio can NOT be achieved under the current terms due to the fact that the current value of the house is NOT taken into account, therefore the equity available does not count. That in turn means that NOBODY who borrowed under those terms will have enough equity to be free of the PMI. Therefore, we are stuck with the PMI for much longer than the XXXX years stated on the FHA criteriathat is unless I pay down an extra {$20.00} thousand-plus-dollars, which I can not afford to do. That is why the FHA rules are a well-designed scheme to saddle homeowners like myself with a PMI for longer than stated on the contract. What a horrible thing to do to consumers! I wonder if senators XXXX XXXX, XXXX XXXX and XXXX XXXX who are consumer advocates approve of this? My goal is to get consumer advocates involved as well as the CFPB officers to look at this scheme under scrutiny and hopefully abolish such predatory practices on hard-working, tax paying, American consumers. 
I have further documents/proof from XXXX XXXX, Nationstar and Mr. Cooper available upon request. 
I thank you all in advance for your help and support in this most important matter. 

In perpetuity, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation