vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-14 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: IL

Complaint narrative:
After reviewing my consumer credit report I noticed several unauthorized inquiries and public records.

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 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I BOUGHT TWO XXXX XXXX CARDS FOR XXXX I NEVER USED XXXX SERVICE THEY HAVE NO PHONE BILL OR ANYTHING THEY CAN PROVE TO SHOW I EVER HAD SERVICE WITH THEM. SO I DONT OWE THEM ANYTHING, I PAID FOR THE XXXX CARD AND IT WAS NEVER EVEN ACTIVATED AND WHEN I TRIED TO 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 explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I woke up on Monday morning XX/XX/19 to an unauthorized XXXX transaction for {$1200.00} due to someone hacking into my account and sending themselves funds. I immediately called my bank Chase and let them know and at that time a claim was filed. I went ahead and made arrangements to pay things later with my billers and even had an emotional phase. On XXXX  XX/XX/19 I wake up and I have all my money back in my account my balance was back at {$1800.00} I was so excited I called chase and reset my online profile as they advise when I filed a claim I then called all my billers advised I could pay on time but one of my billers advised he could not process a payment. Later when I was finished with work I went to Chase in XXXX California and met with a banker named XXXX he advised me my account was frozen due to the rep who reset my online information forgetting to unfreeze my account he told me the payment to XXXX XXXX for XXXX was cancelled and the money was mines. I went ahead and made purchases for things I needed. On XX/XX/19 I wake up and my balance is XXXX to my surprise Chase has taken the money BACK out of my account. This puts me and a very hard spot not only do I not have my money but I was tricked into making purchases for things I would have never bought had I known Chase was planning to redraft the funds. This is not the way my bank should make me feel and I need those funds back immediately. Now more than ever

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-14 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: Exeter Finance, LLC.
State: OH

Complaint narrative:
Exeter Finance stated they would continue to report on my credit if I dont file a identity theft claim. Exeter due to section 623 of the fair credit reporting act your company must show valid proof that this debt is belongs to me. Your company has failed to due that with many poor attempts to do so. To answer your question from last complaint from car dealership. During the process was told I wasnt needed and XXXX Income was sufficient enough to get the loan on her own. While the loan was being signed I was cracking jokes with the salesman stating this is his last day. XXXX only signed her name and as proof neither of thos signature match ours so either your company or dealership attempted to correct a mistake and sign my name. No claim has to be made on my end you have to validate debt because thats how the law works. Unfortunately for your company as you stated dealership provided you the copy of the documents think you should take that up with the dealership. Please come and get the car I will not be making anymore payments on the car. 


I've attached cfpb complaint, Identification with vital information removed partial due to cfpb stating not publish vital information, signature of another contract

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
as of XXXX2019 equifax erroneously dropped my credit score 90 points for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Synchronyc Bank This card is reporting the wrong information in my credit on the day of the last activity taught XX/XX/XXXX, XX/XX/XXXX and I asked them to explain this error, I was expecting a change but I received a letter indicating that nothing will change since EVERYTHING IS ACCURATE ( Day of the last activity XX/XX/XXXX adn XX/XX/XXXX ) I attach the errors

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 2019-08-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems ; is the collection agency. 
Original Creditor =XXXX XXXX  XXXX XXXX . Date opened : XX/XX/XXXX. First reported XX/XX/XXXX. Collection account, balance {$5400.00}. The account is scheduled for continuous until XX/XX/XXXX. Investigation outcome reported the information to XXXX  was certified and accurate.The item was not changed as a result of the dispute processing my credit score was lowered from XXXX to XXXX.The balance on the account is incorrect, deceptive and falsified. Never informed or contacted about such delinquent account until the appearance on credit report. Sent XXXX  all recorded documention of proof for dispute. I give CFPB permission to request proof documents. Sincerely, thank you, for your help and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: MD

Complaint narrative:
My information was illegal obtained. I never opened these accounts.

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 2019-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
Back in XX/XX/XXXX I was trying to get a modification from Flagstar Bank of my mortgage as I missed a payment. I submitted a modification package to Flagstar bank to obtain a loan modification. Unfortunately for the next to 2 years I was requested to resubmit a new modification package every 3 to 4 months as the most recent package they had in their system had expired due to the back log of loans they had to review. After 2 and half years Flagstar sold/transferred my mortgage to XXXX in XX/XX/XXXX/XX/XX/XXXX XXXX after 3 months since acquiring my mortgage from Flagstar, they started foreclosure on my property. But when Flagstar sold/transferred my property to XXXX they made an error in the assignment of my mortgage. Currently I am trying to walk away from the property by doing a Deed and Lieu with the current mortgage company XXXX XXXX XXXX, but the error by Flagstar with the assignment of mortgage is holding up the process. I was informed that it will take Flagstar Bank to 45 to 60 days to sign the Gap assignment of mortgage form so the error they made can be fixed. With Flagstar Bank needlessly prolonging the process with reviewing for loan modification and now to correct their error with the assignment of my property mortgage, they are consistently showing their negligence. With me being a former mortgage underwriter, show that there is a lack of professionalism and integrity in the mortgage industry.

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 2019-08-14 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: MI

Complaint narrative:
Somebody is using my name an information. I have 4-5 inquiries on my credit that I did not approve. All of XXXX inquiries was not me along with any inquiries from XXXX. Totaling about 2500 in debt. I need to speak with someone ASAP. I can be reached via email @ XXXX or through phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: GA

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Sent a preapproved offer in mail for credit card offer so applied at capital one venture site. Reservation code XXXX access XXXX I have perfect credit yet was denied for unknown reason Why would they solicit me an offer if not eligible for bonus points, bad marketing practices, I would like my hard pull reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have requested several times that the PMI be removed from my loan and always formally denied even though after completing renovations my home has appraised way over the 80 % of the loan. I have even received letters from the bank in which I have ( see attached ) the loan with stating my home is worth {$510000.00} and my loan balance is {$300000.00} well under the {$410000.00} limit. I have paid off more than 3 mortgages, have an over 800 credit score, and well over XXXX in savings, and do not see why I am paying over {$200.00} a month in PMI. I am not a risk, and even if I was this mortgage is insured by the government so do not see why an additional PMI payment was ever needed. 

I want the PMI removed from my loan and a refund of the PMI I have already had to lay out in order not to be delinquent with my mortgage. I knew I would be doing major renovations so that is why I did not put down 10 to 20 % down. No where on my loan documents does this say the PMI can never be removed. I want this off my loan. I asked to be shown where I was told this would never be able to come off my loan? I was not given any disclosure and there is no mention of it in my mortgage. I was also informed that stated in the by-laws a request can be made from my mortgage company ( NewRez LLC ) on my behalf to FHA to eliminate the PMI. I feel this fee is very unfair. I have a very low mortgage compared to the value of my home ( {$510000.00} ) and I am willing to get an appraisal to prove this, I have an over 800 FICO score, in the past I have paid off multiple mortgages, I have been employed full time for several years, I never had a late payment on anything!!! I told my mortgage company ... '' Please, I am requesting some customer service. Please put an inquiry to FHA to eliminate this PMI from my loan. '' Also I asked if I have an option to pay down the existing loan of {$320000.00} to an 80 % value {$260000.00} with a payment toward my principal of {$40000.00} which would recast the loan in hopes to eliminate this PMI. They have no proof this was explained to me before hand. I asked them to produce something that was signed and they couldn't. I also asked for a compromise since they can not. Why won't they ask FHA on my behalf to reconsider? 

Would appreciate any assistance you can give. I feel this is a very unfair practice and PMI should be eliminated across the board and money should be given back to not only me but all mortgagors.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: NY

Complaint narrative:
Filed dispute with Experian on XX/XX/2019. 

Dispute was denied on XX/XX/2019 and still shows on Experian as an active debt/collection. I have no knowledge of this account. The account may be appearing on my credit report but may actually belong to my father who shares the same exact name as myself.

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 2019-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: TN

Complaint narrative:
On XX/XX/2019 I started a refinance with Nations Lending Corporation. The loan officer is XXXX XXXX. I submitted all documents required. She said I am good to go. After that she said I need an appraisal done on my home for the refinance. She told me it would be XXXX i said ok. An appraisal was done and they actually took XXXX out of my bank account. I continued to call and call waiting on a close date. XXXX XXXX quit calling me back and responding to me. So, finally yesterday after I filed a complaint with the XXXX someone new called me and told me that I did not qualify for that refinance after I was already told I am approved and done the appraisal with the person they use and was only waiting on the closing date. He told me he can offer me a streamline refinance which doesnt require an appraisal or finance verification. I said no thats not what I was told I was approved for and I want them to honor their commitment as I have to them. He said that was not an option and the streamline was the only option I have through them so I asked if I would be receiving my XXXX back and he said no because it was through a 3rd party they used and would not give me my money back. I said XXXX told me yes, she set up the appraisal l. So, now I am out of XXXX dollars based off XXXX XXXX telling me I was approved for this refinance, and paid the appraisal only now almost 2 months later getting told No.

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 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC
State: SC

Complaint narrative:
Credco, XXXX XXXX, and others checking my credit. Theses are hard hits. I did not authorize theses checks. I want them removed if its not a bank its fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Shindler Law Firm
State: IL

Complaint narrative:
i received wage deduction summons from Shindler & Joyce Attorney at Law on a debt i am not aware of. I filed bankruptcy back in 2001 and since them i have never been able to obtain credit, i am soley cash person now. i never opened any accounts that were left unpaid. Shindler & Joyce Attorney at Law has not provided any documents to me about the debt or give me any information on the debt or even tried to contact me in any way at all. they went straight to garnishing my wages and i have no information as to why or how much. that is not right i have obligations to meet now i can not pay my rent!!!! PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: GA

Complaint narrative:
I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice an item on my report that is not mine. This item need to be deleted from my credit report XXXX XXXX XXXX and there are some inquiries also that are not mine XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX Equifax Mtg, Equifax Mortgage Servi, XXXX, XXXX XXXX XXXX and JXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: Midwest Recovery Systems
State: VA

Complaint narrative:
Midwest Recovery Systems posted a collection on my credit report for a medical bill that belongs to my daughter who is XXXX yrs old. I carry insurance on my daughter, but do NOT sign to be responsible for her bills in any way. I have called the company and asked them to remove this as it was not mine or to provide me proof that I signed a responsible party paper at the time of the dr visit - they cant or wont do either one. I have disputed with XXXX  3 times as well as called, begging them to help me take it off as it is not my bill & has dropped my credit score by 17 points! I realize its only {$31.00}, but this is NOT MY BILL to pay and should NOT be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: Flagstar Bank, N.A.
State: RI

Complaint narrative:
I received a chapter XXXX discharge on XX/XX/XXXX. 
I received a loan modification from my lender ( Flagstar Bank loan # XXXX XXXX on XX/XX/XXXX. 
Flagstar Bank is NOT reporting my mortgage payments to the credit bureaus. 
I have called and e-mailed them numerous times and they stated they are reporting. 
Thank you for your help! 
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 explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I have an auto loan with Credit Acceptance a second chance finance company. I get harassing phone calls from them every month. They call the day after the loan is due and I tell them that I will pay this loan on the XXXX Friday of every month. Then the turn right back around and call me every day. I mean every day to ask what day I will be paying the loan and can I borrow the money from someone. That's disrespectful especially to someone whose told you what day the payment is going to be made on. Also, it's just plain old rude as heck. 
I have even asked if they could move my due date closer to the XXXX Friday of the month so I don't have to go thru this with them. Please help me get some relief from this creditor. I have never been harassed like this before. I pay my bills and I have a set order everyone gets paid in.

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 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FEDChex Recovery, LLC
State: NE

Complaint narrative:
The name of company is FedChecks Recovery. They use masked phone numbers in order to bypass my phones blocking system. Theyll call me at XXXX in the morning and I work overnights so Im in bed at XXXX. They will call me everyday with a new phone number.

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