vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Collection letters sent to my grandparents house in Florida. Of a debt. I am not aware of nor does portfolio recovery association have a right to collect. I have no outstanding balances with XXXX  XXXX. My old accounts was paid off off, closed by me & shows that according to my credit report. I have no bad standing accounts with XXXX  XXXX. I have no idea where PRA found this account, this account is inaccurate. 

This company which i hold no contract with nor have received services from reported a credit account against my SSN in the amount of XXXX with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation under the fair credit reporting act and verification of debt. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: C/C Financial
State: CA

Complaint narrative:
I have contacted the company : XXXX  XXXX on several occasions. Three times in XXXX, and once today XX/XX/2019. I explained to them that I was terminated from my job a couple of months ago due to discrimination/wrongful termination, and I asked them to please come by and pick up their furniture, which is a rent to own type of contract. I have also explained to them that I can barely make my rent payment because I am currently unemployed, and I have been now for over two months. I also told them that I do not want to have my credit damaged any further by them reporting my late payments due to my hardship situation. They don't listen, they haven't done a thing about it at all. I have begged them to come and retrieve their property so that any further payments can stop, and all that I would be required to pay is the rental amount up until this date. All that they tell me is that I must first bring my account current before I can have the property recovered. I have told them time and again that I simply don't have the money due to my current situation, and they don't care at all. Meanwhile they keep damaging what was impeccable credit, and they won't do anything to work with me considering my valid hardship situation. I have even asked to speak to a supervisor regarding this, and they refuse to allow me to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
I submitted a PMI removal request to my servicer ( Flagstar ) on XX/XX/XXXX. They have failed to take action on it as of XX/XX/XXXX. I have contacted them multiple times attempting to get them to do their job. 

I believe they are stalling so that they can cheat me out of additional PMI payments. 

Flagstar continues to stall by saying the request will be reviewed in 24-48 hours, and then not taking action.

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 2019-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I took a loan out XX/XX/XXXX i paid XXXX down and I made every payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX however yet XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments does not reflect on the account. When I call them and spoke to them they told me my first initial payment I made which was XXXX dollars thats something you have to work out with the dealer I ask them about my other payments which is the XX/XX/XXXX and XX/XX/XXXX payment of XX/XX/XXXX they stated we dont see that inside our system so I. Other words I didnt make a payment until XX/XX/XXXX but I took the loan out in XX/XX/XXXX. Something isnt adding up they are using excessive loan practices also fraudulent loan practices. I am not Lian they are trying to take advantage of me and have me trap inside of a loan that I been faithfully paying I am a member of XXXX XXXX  which is aflilated with XXXX and I would really like for somebody to help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. United States, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. Websters New Universal Unabridged Dictionary, p. 966 ( 2d ed. 1983 ).

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 2019-04-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  has failed to remove fraud alerts and unlock my report and it has caused an extreme amount of inquiries to accumulate on my report in attempt of credit rerun attempts that have been made. The automated phone system makes statement that confirms my report is unlocked and asks if I would like to lock. Based on the information that my report is confirmed unlocked credit has been attempted several times. I demand XXXX to delete every inquiry that is a multiple. Only one of any credit inquiry should remain as one inquiry. This alert and lock has prevented me from obtaining credit and is creating detriment from the inability to be approved for credit due to excessive inquiries and fraud alert and credit locked. This is the direct cause of our lives becoming unable to move forward and it is a violation of the reporting law to fail to fairly report my information and XXXX is violating my rights to fair credit reporting. Additionally I would not have had any issues if not for the act of XXXX to fail to provide true information regarding my report status. I did not ask for a fraud alert to become placed and although in the past there was reason to assume that need, I do not agree to it and demand removal of this so that I my be capable of purchasing a vehicle. Currently all Inquirer 's listed on my report are not authorized. Numerous attempts to assist me in obtaining financing were made without my authorization to rerun credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: NC

Complaint narrative:
This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. United States, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( XXXX XXXX. XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My mortgage payment was wrongly sent to another account by my XXXX XXXX, because of This wrong transaction Ive got reported to XXXX, XXXX and Experian credit bureaus. In order to solve issue I certified mailed, my Bank statements, proof of payments where clearly shown, on time payments and dates of transactions I did emailed to XXXX, XXXX & Exprian. Both XXXX & XXXXcredit bureaus were accepted legal docs and cleared reports of my credit history. The only who doesnt want to help its consumer is EXPERIAN. I am having a really though time to explain them. Please help me to solve this issue with Experian credit bureau. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: GA

Complaint narrative:
this account was paid and closed but still shows as negative on my report

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 2019-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank charged over {$3000.00} in Corporate Advance fees to maintain the property in XX/XX/XXXX and XX/XX/2018. There were fees were for " mold removal on siding ''. I called Chase and requested a receipt showing that the company that removed the staining was Mold Certified in the State of Texas ; they were not able to provide any information. The itemized bill states Mold Removal, but I do believe only Mold Certified companies are able to identify mold. 
We brought the mortgage up to date in XX/XX/2018, They also paid over {$1000.00} for vine removal. We were going to clean up the house, we just had health issues to deal with. We made a large payment in early XX/XX/XXXX to bring the mortgage up to speed and they claim to have change the locks in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Today at XXXX I spoke with TSI. On the call I asked them not to record my call ( which I also asked them in writing before the call not to record ). At XXXX I received another call from TSI POST revocation of consent to be contacted. I have told this company SEVERAL times verbally and in writing via USPS Certfieid mail to STOP CALLING ME and to COMMUNICATE BY MAIL ONLY, they don't listen and they break the law under the fair debt collections practices act as well. Further, they did not give a mini mirranda. I have attached all proof including prior CFPB complaints. I want this harassment to stop and I want them to CONTACT MY REPRESENTATIVE TOMORROW XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: MD

Complaint narrative:
In XXXX of XX/XX/2017, I was applying for a mortgage with XXXX XXXX XXXX for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from XXXX XXXX would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from XXXX XXXX is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. 

XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX XXXX - XX/XX/2017 Equifax Mortgage Services - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XXXX of 2017, I was applying for a mortgage with XXXX XXXX XXXX for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from XXXX XXXX would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from XXXX XXXX is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. 

XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX  - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX  XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 2017

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 2019-04-09 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called to dispute fradualant purchases with boa XX/XX/XXXX or XX/XX/XXXX. After they conducted " an investigation " they replied saying we were responsible for these transactions even if they were fraud. Holding me responsible for the fraud on my credit card. During my initial dispute my card expired and they sent me the replacement card right away all fraudulent activity ceased. Even with all the proof, even with my landlord statement that a police report was filed for stolen mail from mailboxes in my apt building.  Please help

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 2019-04-09 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: FL

Complaint narrative:
On XX/XX/2019 I logged onto my XXXX XXXX XXXX credit card account online to see if there was a bill due to be paid. My account stated that the amount of {$260.00} was due on XX/XX/XXXX so I went ahead and paid that amount. No where on there did it state that I was making an early payment if I paid on the day the bill was posted. I did notice when I was checking to see if my payment posted that a new balance of {$250.00} was due but I had clearly made the payment that was on the statement of {$260.00} which showed paid. So today which is XX/XX/XXXX I was charged a late fee of {$27.00}. I called and explained my situation and was told unfortunately because I made a proactive payment there was nothing they could do. I ended up having to dispute it. I spoke with someone named XXXX, who said it could take weeks to resolve and in the meantime I had to pay the {$250.00} or It would look as if I didnt pay my bill. I dont understand how they are legally aloud to post an amount due and a due date and when a customer pays they can say its a proactive payment!

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 monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
An overdraft charge for XX/XX/2019. 

I saw no shortage of funds or a negative amount on my account when this overdraft payment occurred. I was told that the overdraft occurred when PNC did their there processing. In the past, when overdrafts occurred, they were shown on the account immediately. 

I check my account once or twice a day. All funds that are deposited in my account are from PNC Merchant Services, ( which are available for use the following day, except weekends, because the clearing house does not release them until Monday morning ), a monthly pension, ( that is direct deposited for immediate use ) and cash. Once in awhile I may deposit something else. 

If PNC is closed on weekends and my funds are there in my account when they open, why am I charged for over drafts?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for a chase checking account of XX/XX/XXXX and I noticed there was message on the banker computer and he didnt read it but it saids dont open this account for this customer but this banker in XXXX Texas open a chase checking account no questions ask and I set up future payments so I can have my bills paid and the next day on XX/XX/XXXX chase decided to end a relationship with me and wouldnt tell me why since I didnt do nothing wrong and I had there credit card for 11 months with no issues and never been late or I never made a minimum payments and Im trying to restore my relationship was XXXX and I do think they are a good bank but I was wrong I had few reps were rude to me and being a smart XXXX and they refused to release my funds and I told XXXX that I have a upcoming direct deposit coming up this Friday on the XX/XX/XXXX and they told me I wont get it and it will be a huge delay and I explain to chase that if they dont give me my money that I worked hard for I will have to hired a lawyer and I feel like this is abuse and discrimination based on my race and my XXXX .... I also look on the banker screen while he stepped away and I noticed there was a charge off account back in XXXX I never applied for XXXX in XXXX I want XXXX open up a Fraud investigation on it ... XXXX has let me down and ruined my day and closed my checking account and I had to move money over and called my other banks and cancel payments and I end up getting charged a return check fee from XXXX XXXX Because XXXX block my payments XXXX  XXXX is unable to collect them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XXXX, OCWEN Loan Servicing, LLC incorrectly reported to Credit Reporting Agencies that our two mortgage accounts had missed payments and late payments. Our credit scores dumped about 60 - 70 points ( for myself and my husband ). The same thing happened in XXXX, XXXX, but they fixed it. They blamed it on their software. I contacted the OCWEN Department of the Consumer Ombudsman, and XXXX XXXX said she would fix it, as she did the previous time. Then she pushed the issue of onto XXXX XXXX. He claims that XXXX and XXXX have not bothered to fix it despite OCWEN sending updated information, and calling them. However, in XXXX, XXXX sent me a copy of an AUD Correction Indicator Form dated XX/XX/XXXX, that contained multiple zeros on the second loan listed ( our home ). 

This issue has been ongoing for 3 months and they have still not fixed the problem. They keep blaming it on XXXX and XXXX. However, the mistake was theirs to begin with. Therefore, I feel that it is their responsibility to fix it. On Friday, XX/XX/XXXX, I missed a call from XXXX XXXX. I called back an hour later. No answer. Left a message. On Monday, I called Mr. XXXX again but there was no message on the voicemail. I called Ms. XXXX, Team Lead, and told her I did not want Mr. XXXX to be our contact any longer because he did not fix the problem. I want Ms. XXXX to be our contact, as was the case previously. I then called XXXX XXXX, Supervisor in the Ombudsman 's office and left him a message saying that this issue is dragging on for way too long and that we want XXXX XXXX to be our contact, as before, not XXXX XXXX. I did not receive any phone call back despite leaving 3 messages today. ( I could not leave a message for Mr. XXXX due to the issue with his Voice Mail. ) OCWEN is notorious for their poor customer service and have had many lawsuits filed against them, along with many limitations placed on them by government agencies due to their fraudulent and misleading business practices. I just want them to fix our credit scores!

Company response to consumer: Closed with non-monetary relief