vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/18 XXXX XXXX assumed our loan from XXXX XXXX XXXX. with the original loan terms still in place : Conventional 5/1 ARM, no escrow account and tied to the LIBOR. Our loan was transferred in good standing and was a simple transfer. 

Our loan has never been late and since transfer to XXXX XXXX, and due to their poor reputation as a debt collector, I have paid my mortgage early every month and in excess of the balance due. 

XXXX has reported false and damaging loan terms which I was unable to fix through normal CRA disputes. In violation of the FCRA, XXXX has reported our loan to all 3 Credit Bureaus with false remarks : LOAN MODIFIED NonGovt, Loan Modified and including purchase money first. When I disputed this false reporting, it was verified by XXXX as accurate. 

My mortgage was sold by XXXX XXXX XXXX. and this loan was not a requested transfer. Furthermore, I contend that because we have nearly perfect credit scores of 820+ FICO XXXX, XXXX XXXX reported false terms to lower our credit and attempt to retain us as a long term client by lowering our score. 

The reporting of Loan Modified on a credit obligation is considered a derogatory indicator by FICO Score XXXX ( and within the auto and bankcard versions of FICO Score XXXX ) and would trigger the negative score factor You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. to surface. This particular narrative ( Loan Modified ) first became available in the XXXX data when FICO Score XXXX was developed. 

Due to this false comment, XXXX has negatively impacted our XXXX FICO Score XXXX causing a drop of 100 points for XXXX XXXX and 69 points for XXXX XXXX. Our previous FICO XXXX scores were XXXX and XXXX on XX/XX/18. Now they are XXXX and XXXX respectively. 

XXXX FAQ specifically states : Will the terms and conditions of my mortgage change because of the transfer? This transfer does not affect any terms or conditions of your loan documents other than terms directly relating to the servicing of your loan

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 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Received letter on or about XX/XX/2017 from Resurgent Capital Services whom was collecting on behalf of LVNV Funding LLC a debt buyer. A validation of debt was mailed on XX/XX/2017 and received on XX/XX/2017 requesting a validation of debt that included that agency provide the following : original signed contract to verify my signature notice of the right to collect on the debt amount of the debt amount paid if debt purchased original creditor address of original creditor The only information that was provided to me was a print out from the collection agency system that says Account Summary. Written request was sent multiple times requesting the above following information without any response. The collection agency LVN Funding continues to report to the credit bureaus and a dispute has been sent to the credit bureaus with a notification of validation of debt verified. Letters were sent with copies of the Print out sent by the collection agency nothing from the original creditors but the agencies fail to remove the negative incorrect unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have spent the last month in and out of the hospital with a XXXX illness. Thus, I have not been checking all of my accounts daily, as usual. Yesterday, after I was released, I checked my Chase Bank account online and was horrified to discover that I was nearly {$700.00} overdrawn!! It appeared that the overdraft was entirely due to three unauthorized charges. There was a charge of {$39.00} from XXXX dated XX/XX/2019. I do know this company. They are a subscription box company with whom I have an annual subscription. The amount of the subscription is {$170.00}. I was also charged that amount of the same date. For some unknown reason, I was also charged {$39.00}, the price of a single box ( the box ships quarterly ) that same day. I tried to contact the company via email and telephone on XX/XX/2019. I have not received a response. The second two charges were from a company called XXXX. I  have absolutely no relationship with this company, which appears to be another subscription company involving clothing. On XX/XX/2019, I was billed {$40.00} and on XX/XX/2019, I was billed another {$300.00}. Again, I tried to phone the company and also sent an email. No response has been received. Today, XX/XX/2019, I called Chase Bank around XXXX XXXX., P.S.T. Since I have been a client, Chase has had to clear up numerous disputes on my behalf. Unfortunately, I have been dealing with serious identity theft issues for the last five years and have been desperately trying to receive a new Social Security Number. Thankfully, Chase has been nothing but helpful with these unauthorized charges. They always issue a provisional fee within 24 hours and remove all the overdraft fees incurred by putting these charges through. Today, however, I spoke to a woman ( name unknown ) who refused to issue a provisional credit for any of the three items. When I asked why, she stated that since I did not report these charges on the day they posted to my account, she could and would open an investigation. I replied that I had never heard of that policy and explained that I had been hospitalized. She was unmoved and again stated that this was not Chase 's problem. I told the woman that if that was the case, I was going to be forced to switch banks since this new policy basically offered no protection whatsoever to their clients. Her response was " fine '' and a hang up. I am supposed to be resting and not dealing with stress as per my doctors at the XXXX XXXX. Instead, I am horrified at the sheer amount of overdue payment notices I now have to pay and wondering how I will make it through the next week as far as food, transportation to doctor appointments, etc. until I receive a XXXX payment near the end of next week. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Theyve called me Everyday 7 8 times a day starting the beginning of XX/XX/2019. XXXX after me asking them repeatedly every day, to not call my phone before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation
State: TX

Complaint narrative:
Credit Card was reported as having fraudulent charges and notified the card holder. Was advised to destroy the card and new card sent out. Was advised to obtain a police report which was later obtained. When first reported I was advised to get a police report. Called the police out and tried to do the report online. Was advised that I would need to come to the station to file the report. Obtained the police report stating the amount and dates in question - case # XXXX, provide a copy of my driver 's license as requested. After some time I contacted the creditor and was advised that I needed to file a complaint with the State Attorney 's Office. Contacted the State of Texas police department which advised that the card holder would have to file fraud charges. Notified the card holder and was advised that I would have to file the complaint - meaning I would have to conduct the investigation on the fraud. Nothing within the contract states that upon fraud charges that as a consumer that I would be liable for the charges and/or the investigation. No investigation was conducted by the card holder. I advised the card holder that I would pay out my balance that I owed, less the fraud charges. The charges was even verified by the card holder that the transactions occurred in the state of Florida by manual key. I advised the card holder that during the time of the transaction I was in fact in the State of Texas and around the same time used the card at a car wash in Texas. The card holder a few day after notifying the card holder of the unauthorized charges that it was verified that the charges occurred in Florida by manual key input. This and was advised that it would be taken care of. The amount that was in dispute was {$580.00}.

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 2019-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I contacted the company in an email that i can not make mt oayment on Monday, XX/XX/25, they will not extend my repayment until Wednesday XX/XX/XXXX, when i will have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
It's about Barclaycard visa card.

I applied and received this visa card since it offers promotional interest for large purchases. I used it to buy a laptop and an XXXX at the XXXX XXXX. At the time of the purchase, they offered 2 year deferred interest as long as I paid it off before the promotional period. I have been making extra payment to pay off the promotional balance. However, I noticed that there's still a residual balance even after I paid more than the statement balance. I called their customer service on XX/XX/19 and spoke with their representative and their manager. I was told there's nothing they can do because that's the way their system is setup. What has happened is their system has been applying my extra payment to transactions after the statement cut off date first. Therefore, even thought I've been making extra payments, it does not and never will be applying to the deferred interest balance. The only way is for me to clear the deferred interest balance is to make a payment for all transactions as of the date the payment is received by XXXX, regardless of what the statement balance shows. 

What does not make any sense is this is a Visa card. All payments should always apply to the balance on the monthly statement first, not transactions happened after the statement cut off date first. This is not a debit card. I think they do this on purpose so that they can charge consumers extra interest without formally telling them how they setup their system. Once again, another corporate fraud trying to trick honest, hard working American consumers. 

I think XXXX not only needs to revise the way their system is setup, but also need to pay a fine and penalty to all consumers impacted by this fraudulent setup. This is another fraudulent act triggered by corporate greed.

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 2019-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I had a fire in XXXX 2016. The insurance made an insufficient payment of XXXX. I was forced to sue the insurer while the home sat damaged. I secured XXXX after suing the insurer. Only XXXX was released despite having evidence the home was 50 % complete. After fighting with the AmeriHome Mortgage third party loss draft service XXXX more was released. This check was issued to me but my name was misspelled. AmeriHome Mortgage would not accept the check at its clearing house after my bank took the check and gave me full credit for it. Once I made the deposit my bank manager confirmed funds with the mortgage clearing house but when the check arrived they refused allow the transaction to be completed. Since then my mortgage continues to address the problem and make appropriate steps to get me repair funds. This act caused me to breach contracts with trades men, workers and subcontractors. It also cause my bank to cease all available funds that were not repair related. Having spent repair money fixing the home now my account is also overdrawn. I also have been forced to rent a house and I am paying for it from my own funds while my home is unlivable. This process has also delayed the repair completion time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: TN

Complaint narrative:
Recently I reviewed my credit reports and saw there was fraudulent accounts and inquiries all of which I never opened nor gave permission. After submitting a dispute through the major CRA 's about this situation where these accountthat are not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. But upon checking my reports and credit history, the accounts identified remain on the reports negatively impacting my financial profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They call my phone while Im at work.

If I dont answer my phone they call my parents or my other family members.

They harrass by keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 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: TN

Complaint narrative:
Recently I reviewed my credit reports and saw there was fraudulent accounts and inquiries all of which I never opened nor gave permission. After submitting a dispute through the major CRA 's about this situation where these accountthat are not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. But upon checking my reports and credit history, the accounts identified remain on the reports negatively impacting my financial profile.

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 2019-03-25 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: TN

Complaint narrative:
Recently I reviewed my credit reports and saw there was fraudulent accounts and inquiries all of which I never opened nor gave permission. After submitting a dispute through the major CRA 's about this situation where these accountthat are not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. But upon checking my reports and credit history, the accounts identified remain on the reports negatively impacting my financial profile.

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 2019-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Complete Credit Solutions, Inc.
State: NC

Complaint narrative:
According to NC XXXX XXXX Banks, the original creditor XXXX, is not license to provide loans in the state of North Carolina. Also, the collection agency has violated FCRA through harassing calls, threatening arrest and not able to validate debt with original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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:
While in the process of seeking new living quarters in XX/XX/2018 I had to have my credit ran. I noticed at that time there were some erroneous items on my credit report. At that point I called EACH creditor associated with the accounts. The creditors were unable to verify the accounts and instructed me to call the credit bureau that were reporting the accounts. All three credit agencies instructed me to call the creditors. Once I informed them that I had already spoken with the creditors and they were unable to verify the accounts, I was then instructed to file a police report because it was clear that I was a victim of identity theft. Equifax is reporting these fraudulent items, and have been since XX/XX/2018, and they are listed below. 

1. XXXX XXXX XXXX - {$2600.00} 2. XXXX XXXX - {$1200.00} 3. XXXX XXXX - {$1200.00} 4. XXXX XXXX XXXX XXXX XXXX - {$1200.00} 5. XXXX XXXX XXXX - {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
... ... select portfolio refuses to do a loan modification with me. i have a XXXX child and want to stay in my house. i am a XXXX year old widowed mother. i called them and told them this. this is what they do. they offer me a one year balloon payment and offer me double my regular mortgage payments. What is this company? Bookies? how in XXXX ' name can i do this? they refuse to extend my mortgage to 40 years. because their investors dont want to when every other bank out there will do that. i submit loan mods for a living. 

i am heartbroken and suffered from the crisis of XX/XX/XXXX in the financial industry. and have a child who was XXXX to XXXX and i had no health insurance and had to pay out of pocket to help her. i have a good job now and want to pay and live in my home. they just want to kick me to the street and i will have to live in my car.

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 2019-03-25 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: NY

Complaint narrative:
I submitted a police report for fraud accounts and fraud addresses, appearing on all three credit reporting agencies. XXXX and XXXX removed all the fraud accounts and addresses but Equifax still showing all the fraud accounts and addresses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC
State: AZ

Complaint narrative:
Oliphant Financial continues to contact me and harass me in regards to account # XXXX. I am a victim of identity theft. The account is a fraudulent account. I have never applied for a personal loan from XXXX. The account is the result of identity theft. The account is not mine and dont belong to me. I been receiving harassing and threatening phone calls from Oliphant Financial Represenatives. The representatives have used abusive and profane language and threaten me with wage garnishment, arrest, jail and prison time for a fraudulent account thats not mine. This a clear violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, My mortgage lender checked my credit ( as we were closing on our new house on XX/XX/XXXX ) and noticed a new collection account on there from Diversifed Consultsnts for {$770.00}. The last company that had this account I spoke with back in XXXX and told them I was going to pay after I closed on my house bc I didnt know exactly how much closing costs I was going to need out of pocket. Then, all of sudden without any written notice by law from the mail that this now company, Diversifed Consultsnts has the account and shows up on my credit report right before I was supposed to close on my new home!! If I knew by writing or even that if I knew at all that the account was with another collection agency, I would of called them to make arrangements to pay like I did with the last company. After talking with them on XX/XX/XXXX and telling them I never ( by law ) received anything in the mail, the company that SAME DAY XX/XX/XXXX ( see attached letter ) sends me notification after telling them I NEVER got anything via mail ( it was Reported on my credit just one day prior to calling them ). I called them to pay the bill and to see if they would kindly take this off my credit since they reported it before giving me a chance to even pay it or notify me, she told me that they do not remove collections from credit reports even after the fact that they broke the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Convergent Outsourcing, Inc., is continually contacting and harassing me about account # XXXX. The account is a fraudulent account and the result of identity theft. I am a victim of identity theft and the fraudulent account is not mine and dont belong to me. I been receiving repeated phone calls from Convergent representatives who have been harassing me, using abusive and profane language and threatening me with wage garnishment, arrest, jail and prison time all for a fraudulent account thats not mine.

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