vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
I opened an account in XX/XX/XXXX. On XX/XX/XXXX I received an email from a XXXX XXXX offering to be of any assistance if I ever needed anything. On XX/XX/XXXX I  requested XXXX close the account over email. My request was refused unless I sent a signed letter requesting it be closed. Putting aside the inherent silliness of not being able to close an online account online, I mailed the letter. On XX/XX/XXXX, I received a letter rejecting the request to close the account and requiring new, different information from what I was told by XXXX. 

The bank is clearly trying to extort a fee from me for inactivity by prolonging the closure process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has on three occasions blatantly disregarded my request for a proper investigation into an account. I have shown proof. This time I will show PROOF that even their response to even a CFPB complaint is purposely neglected and mislead the complaint. 

Specifically complaint # XXXX all they did was attach irrelevant policy information to the dispute and lie about the investigation. 

Proof -- -- - their own statement response in the last dispute. " The respective results summaries were sent to you for review on XX/XX/XXXX, and XX/XX/XXXX. The latest results summary, along with a copy of your Experian credit report, will be provided directly to you for review. Please allow up to 10 business days for mailed correspondence to arrive. '' attached is those exact response documents. 

1. the mention dispute with the last CFPB complaint only consisted of one account in question. XXXX not the other accounts they mentioned. 

I only mention XXXX in the complaint. simply reading the complaint will prove that. 

one report they mention does not even mention XXXX the mention report by EXperian report sent XX/XX/XXXX is attached and only mentions one account not XXXX. but this was not included in the last compliant filed. 

2. the second mention report mentioned by XXXX does not UPDATE NOR CORRECT one single item. 

3. what i asked for in the last dispute was the detailed investigation the EXPerian Conducted which is required by LAW. 
What information did you get to verify the account? 

It is at this time that I will point out that in XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

What reasonable investigation did Experian conduct? 

seems that they parrot information, In this CFPB COMPLAINT I am requesting the result and details used by EXPERIAN that was used to conduct this investigation. 

the results I seek are for XXXX # XXXX only in this complaint. 

you must go above an XXXX investigation. 

what public document do you use? 
what did XXXX provide that I opened that account?

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 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have ONLY gone by either XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX, my entire life of XXXX yrs. Not XXXX or XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Securitized audit shows bifurcated contract and payoff creditor paid in full lack of full discloser causing harm to man

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: PA

Complaint narrative:
Complaint : Pacific Union Financial reported a late payment for XX/XX/XXXX Timeline : -XX/XX/XXXX XXXX XXXX XXXX called to inform me that I was late on my mortgage. At the time I communicated that my loan was with Pacific Union Financial. XXXX XXXX explained that Pacific Union Financial sold my account. I then called Pacific Union Financial to validate and confirm the accuracy of what XXXX XXXX was reporting. Pacific Union Financial confirmed that the mortgage was transferred XX/XX/XXXX -XX/XX/XXXX Pacific Union Financial failed to notify me that the mortgage was sold to XXXX XXXX. 
-XX/XX/XXXX payment was never retrieved from my account by Pacific Union Financial -Pacific Union Financial reported the account late in XX/XX/XXXX. 
-XX/XX/XXXX correspondence was sent by Pacific Union Financial informing of the transfer AFTER the phone call was placed by self. 
-XX/XX/XXXXa welcome package was sent by XXXX XXXX after my request -XXXX XXXX  " XX/XX/XXXX payment '' was finally retrieved after I was able to acquire account information. 
-XX/XX/XXXX I ran my credit report and noticed the derogatory report and sent a complaint to Pacific Union Financial . 
-XX/XX/XXXX Pacific Union Financial replied stating that they would not remove the late XX/XX/XXXXpayment form my credit. 
-XX/XX/XXXX complaint is being filed with CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit International Corporation
State: WA

Complaint narrative:
The issue is with the Credit international Corporation in XXXX Washington. They refuse to provide documentation of a matter that has been closed with their agency. This lackof documentation is preventing me the opportunity to get my MLO. This is unacceptable and this is a common problem with many collection agencies. They fail to inform they fail to send out notices of judgments and liens.

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 2018-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
XX/XX/2018 I sent Santander a letter explaining that I fell on hard ship and ask them to lower my payments and forgive me for my late payments. They replied saying that's against their rules and regulations. The box value of the car is way less that what I purchased this car for and it's hard for me to try and get another car because Santander balance is too high and other dealers won't make a deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Profit Services Group
State: GA

Complaint narrative:
I have sent this company certified letters time after time about validating this debt. I never receive nothing in return back which I ask for a result within 30 days. Once I kept trying to contact them I then went to there office since it was located in my city and state. When I got there they wouldnt even let me in the office they kept stepping out to talk to me. I informed them that I want to speak to the manager or corporate but was told neither one of them were there and I had to call. After that day I still repeatedly call to not get in touch with them still. So I then sent out a hippa violation letter to them about this debt and they're still not communicating.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: MN

Complaint narrative:
I have been harassed with multiple inquires from the following companies listed below, I am speechless as to how they have gotten my information. I contacted all three credit bureau 's letting them know about this situation to avail I am writing a complaint to you to resolve this matter. 

My credit is suffering because of this false inquiry reports. Please help me clear up these unauthorized inquiries from these companies.

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 2018-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
Various phone call from Credit Counsel have been received in the last month, on the XX/XX/XXXX a person named XXXX XXXX called me from XXXX requesting a payment from a services I do not recal or recognize company. He threat me on be sue and use abusive language. I do have prove of this in a written email. on XX/XX/XXXX I have received a letter that even its say Its not a threat when I call the company I again receive abusive language and threat from this person, I Requested to be transfer to the person that sign the letter but he refuse and again threat me to be sue.I did write a letter to explain to XXXX XXXX Division Manager but not answer

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 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/XXXX, I called Chase in regards to my Chase Sapphire Preferred Card that was past due by 30 days. It had come to my attention via an email that was sent on XX/XX/XXXX. I was not aware of a payment due as this account is on autopay and this card was not active for over a year. At the time I received this email, I was traveling internationally and did not have access to my phone/email/data. I was able to finally make a phone call on XX/XX/XXXX, 1 day past the supposed 30 days. After speaking with a customer service representative, the charge was {$95.00} for an annual fee. The current bank account on file was no longer valid and resulted in a late payment. I was under the impression that my account would be fine as long as I made a payment when I returned to the States. I wanted to pay that day but was was unable to make a payment since they needed a routing and checking numbers and I did not have them due to travel. 

I had received an alert from XXXX  saying that my credit score dropped 66 points due to 1 missed payment in 14 years. I proceeded to call Chase today, Monday XX/XX/XXXX to resolve this issue. I have an excellent repayment record since XX/XX/XXXX and because of this one late payment, it reflects poorly on my creditworthiness. Chase told me that there was nothing they could do not report a change even though I paid to settle the account. I was not not given an opportunity to settle this before it was reported to the credit bureau. My account does not have an outstanding balance of thousands of dollars or was late in the past. Its frustrating that I wasnt given the opportunity to remedy this situation as a loyal customer before being reported. Chase proceeded to tell me that I had been notified by email and by mail. I had received one email on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Go Capital Holdings, LLC
State: GA

Complaint narrative:
The XXXX XXXX XXXX was reposesesed approximately XXXX weeks prior to today 's date.i enquired when the car was to be auctioned on approximately XX/XX/XXXX and was told the car would be auctioned on XX/XX/XXXX. On XX/XX/XXXX I contacted the auction facility and the car was already sold. Not allowing me to retrieve it, through either bankruptcy or back payment.After the auction I've been notified that I'm responsible for approx {$14000.00} Which is twice as much as what the car is worth.

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 2018-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2018 at approximately XXXX I received {$1500.00} from a friend of mine. I needed to make travel arrangements to get home. When I tried to transfer the money to my debit card, nothing happened. I assumed the problem was with my debit card. The next morning I attempted to send money to my son from the balance for a movie ticket, and I was informed that my account had been " frozen due to a recent transaction that raised a risk flag ''. After contacting customer service, I was told that the department handling frozen accounts only communicates through email, and they " have 24-48 hours to reach out. '' The following day I contacted customer service again and was told that they actually have 3 to 4 days to reach out. Later the same day, I received an email saying my account was unfrozen. It was not. Eventually I received an email telling me that they would look into the matter. I replied to the email asking what transaction raised a risk flag, as I had only used the app twice, both times only to receive money. I received an email telling me that unfortunately the company is closed on weekends and someone would reach out to me Monday through Friday. While ignoring my question, I was contacted through email and asked to send a copy of my identification. I sent it. A day later I was asked to send a copy of my bank statement. I sent it. I am currently waiting for ANY information, as my account is still frozen. They have refused to give me any reason as to why my account was frozen. I have received money once, and successfully transferred that money to the same debit card I have on file. What is the issue now? When will the money be released?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: MN

Complaint narrative:
I have been harassed with multiple inquires from the following companies listed below, I am speechless as to how they have gotten my information. I contacted all three credit bureau 's letting them know about this situation to avail I am writing a complaint to you to resolve this matter. 

My credit is suffering because of this false inquiry reports. Please help me clear up these unauthorized inquiries from these companies.

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 2018-05-21 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: MN

Complaint narrative:
I have been harassed with multiple inquires from the following companies listed below, I am speechless as to how they have gotten my information. I contacted all three credit bureau 's letting them know about this situation to avail I am writing a complaint to you to resolve this matter. 

My credit is suffering because of this false inquiry reports. Please help me clear up these unauthorized inquiries from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: NE

Complaint narrative:
I am writing to file a complaint against Equifax, what kind of investigations they did because my last letter of disputed that I sent to Equifax, they were received on XX/XX/2018. 
The same way Equifax defamation of character, because in the statement and fraud alerts they are publishing in my profile without my authorization, I never request any fraud alerts and I never request to put any statement on my credit profile. All this looks suspicious is the reason that I am writing to you ; how could I believe if they are doing the same with those accounts that they are posting that are repeat in my credit profile. Here is some credit report that I have received from Equifax are adding information, put fraud alerts manipulate the statements without the client asking for it. They are a violation of the right of us What they have is a game with my credit profile, I no longer tolerate what is happening I'm asking to Equifax to stop defamation on in my credit profile because this message that appears in my credit profile of any circumstance I never have asked to put any fraud alert or any statement even that phone number in the statement I do not recognize it, and I do not agree with the last letter I received, I recently saw my credit profile and I realized that, Equifax are violating my rights and reinserted accounts that have already been deleted and putting fraud alerts without my authorization anything even adding statement without I asking to put any statement. I never asked for any fraud alerts or any statement to add to my credit report. This is what XXXX  are posting in my credit profile. 
Bureau Message : THE FAIR CREDIT BILLING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT, CFPB BULLETIN FAIR CREDIT REPORTING ACT I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNT ABOVE LISTED UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF, YOU MUST REMOVE THE Bureau Message : FRAUD VICTIM. " EXTENDED ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX. 
I hereby request that all fraud alert information or any type of statement be removed immediately. I never request for any fraud alert or statement. 
I am requesting your assistance in putting an end to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CORELOGIC INC
State: CA

Complaint narrative:
" CREDCO '' XXXX XXXX XXXX. via CREDCO has been inquiring for many years now & continuiously puts HARD inquiries on my reports. 
Some have dropped off XXXX they continue. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't know how or when they received permission to continue to make these Hard Inquiries. 
I wish to STOP them from further Inquiries. What must I do to stop this from further happening?

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