vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NC

Complaint narrative:
I received a notice in the mail from my mortgage servicing company ( PHH Mortgage Corporation ) in XX/XX/2019 with instructions on how to limit sharing of personal information. The letter was ( 3 ) pages long with sections titled Facts, Who we are, What we do, Definitions & Other important information. The first page included an automated number to call to limit sharing where legally allowed ( 3 of the 7 categories ) as well as a number to call with questions. There were no other pages in the notice & nowhere on the ( 3 ) pages was there a mention of a written request being required in order to limit sharing. ( FYI - I do not live in VT, CA or ND - I wish every state protected its residents by requiring opt in instead of opt out, as these states do. ) I called the automated number shortly after receiving the letter in order to opt out of sharing wherever possible. I went through the entire menu ( verifying my loan & identity ), then received a message that " this service is not available for your loan. '' Since my loan had been part of the merger/reorganization with XXXX & PHH several months prior, I thought they may be slow getting it into a new system. 

I called the automated number again this Friday ( XX/XX/2019 ) & received the same message. I followed up by calling the other number listed on the letter, which is only available during weekday business hours. After again going through a long menu, I was able to speak to a customer service rep & communicated my request to opt out of sharing. She first indicated that I would need to send in a letter ( generated by me ) outlining my request. I told her this didn't make any sense & wasn't indicated anywhere on the letter I received. She put me on hold to " verify facts '', then came back & told me I needed to mail back a form that would let me opt out. I again told her I had never received such a form ; the only notice I had was the one indicating this service was available by phone. She continued to provide inconsistent information, now saying the notice I received was from XXXX, not PHH. ( The first line in the letter I received was " What does PHH Mortgage Corporation do with your personal information? '' ) At this point I had been on the call over 20 minutes & needed to leave for work. I repeated my desire to opt out of sharing & requested any forms necessary to do this be sent to me as soon as possible. 

I have no confidence that PHH will respect my repeated request. It is impossible to see their opt out process as anything but an overt attempt to retain their ability to sell the information of those whose loans are being serviced. They have made the process as difficult as possible in order to subvert the desires of consumers & their clear legal obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
today is XX/XX/2019 i look at my equifax credit report and i have over XXXX hard inquiries that i did not do or give anybody the ok to do i tried to call equifax atleast 10 times to get this fix i even put fraud alerts on my account so i DEMAND equifax to fix this matter asap its the law for someone to run my credit with out me knowing here are the inquiries ... XXXX XXXX XXXX .... XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX-Mt ... XXXX XXXX XXXX   XXXX XXXX XXXX ... XXXX XXXX this just a few of them its like 50 of those on my report that i did not run myself i want this matter fix asap or else i would have to file a LAW suite on equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had my American Express credit card stolen and someone had used it on XX/XX/XXXX {$200.00} and XX/XX/XXXX {$700.00}. I had never authorized this card for anyone to use it. 
my account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: ERC
State: PA

Complaint narrative:
on saturday XX/XX/XXXX at XXXX i received a call from XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX claiming that i owed a debt i informed them that i do not agree to being recorded and that i never will. several times this was told to them. i also requested a validation letter. after which i was placed on hold a person claiming to be a supervisor got on the line and tried the same lie with the recording. again i asked for a letter of validation. i was then hung up on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I requested my free annual credit report from all 3 agencies on the same date XX/XX/2019. XXXX and XXXX provided me copies of my report but not Equifax. This issue happened last year as well with Equifax. Equifax never responded to my queries or provided a free copy of my annual credit report until I filed a complaint with the consumer protection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: PA

Complaint narrative:
XXXX XXXX XXXX Account # : XXXX  XXXX XXXX XXXX XXXX   XXXX , MN XXXX ( XXXX XXXX XXXX FIDELITY CREDITORS SVC Account # : XXXX  XXXX XXXX XXXX  XXXX XXXX , CA XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # : XXXX  XXXX XXXX  XXXX XXXX XXXX, CA XXXX These accounts have been on my credit and I have received no bill or verification that this debt belongs to me and I have not idea how to verify that I pay. I have received no proof of this after asking for it from the debt collector. If this debt belongs to me I have no problem paying however I can not pay for something that I can not verify that belongs to me. This derogatory negative account on my credit is keeping me from starting my life over as you can see I have not used credit and have been responsible with all of my other accounts and closed them because I didnt want to live outside of my means. For the past several years I have been saving up and educating myself on credit and now is the time I am using my credit to reinvest back into my business to support my family. I can not have these types of accounts on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I continue to receive calls from an entity calling itself Medical Revenue Services claiming to be about a debt. I do not have any current debts.

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 2019-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion lowered my fico score by determining a student loan amount Increase of {$32.00} dollars was due to possible late payment, that's incorrect, the balance increased because the loan was pushed out longer since my son is still in school, deferred payments, 6 months longer, until he graduates to pay any payments the {$32.00} dollars are interest ... put to back of loan ... not LATE, they dropped my fico score from a XXXX to a XXXX ... good to fair, and I just got approved for another loan ( Fasfa ) ..but due to drop my interest rate will cost me XXXX dollars more if not corrected within next 7 days from todays date of 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 2019-06-08 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:
Suspicious activities on my XXXX XXXX XXXX report has led me to believe that someone is utilizing my personal data to open accounts with credit card companies. I would like to file a complaint to have these accounts removed from my credit report. I have included an attachment of all the accounts and new inquiries that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08 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: SELECT PORTFOLIO SERVICING, INC.
State: KY

Complaint narrative:
On or about XXXX XXXX the United States District Court of XXXX District of Kentucky issued a Discharged in Re : XXXX XXXX XXXX and XXXX XXXX XXXX Vs. United States Trustee. Upon that discharged I demand that Select Portfolio Service and its affinities to update my crerdit report to all major credit bureaus of my payment history for the last 73 prior months from this date. 
They have failed to do this or present me proof update my credit report with respect to my Mortgage History for the last 73 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: GA

Complaint narrative:
Suspicious activities on my XXXX XXXX XXXX report has led me to believe that someone is utilizing my personal data to open accounts with credit card companies. I would like to file a complaint to have these accounts removed from my credit report. I have included an attachment of all the accounts and new inquiries that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Transunion website is not user friendly whatsoever. It will not let you dispute an error.

I want Transunion and XXXX to both investigate XXXX XXXX XXXX account on my credit reports.

XXXX XXXX XXXX has reported that I am 30 days past due on my payment which is completely false. I have made all payments on time. I want Transunion to make the correction on my credit report as I am not 30 days past due. I have proof from XXXX XXXX XXXX account website that I have made all payments and I am not 30 days past due.

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 2019-06-08 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: FL

Complaint narrative:
These inaccurate accounts are reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX 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 2019-06-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: HOPE BANCORP, INC.
State: CA

Complaint narrative:
On XX/XX/2019 I closed 2 C.D. accounts with Bank of Hope. They were BOTH opened on the same day and matured on the same day and paid the same interest. When I open a new account I use a C.D. calculator independent of the bank 's calculator so that I know what I should get upon maturity. One account ( ending in # XXXX ) was very close, and as an XXXX, I know that was probably due to " rounding ''. I have no problem with this account. However the other account ( ending in # XXXX ) had a substantial underpayment of {$6.00}. 

On XX/XX/2019 I closed 1 account with Bank of Hope resulting in an underpayment to me of {$3.00}. In both circumstances I used a different C.D. calculator to make sure the numbers were correct compared to the 1st calculation I had done and the end result was exactly the same. 

On XX/XX/XXXX, when closing the 2 accounts I showed this difference to the Branch Manager, XXXX XXXX. She insisted the Bank of Hope calculation was correct in spite of the fact that 1 account ( ending in # XXXX ) agreed with the independent calculator and # XXXX was off. There is something wrong with this picture!

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 2019-06-08 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX website is not user friendly whatsoever. It will not let you dispute an error. 

I want XXXX and Experian to both investigate XXXX XXXX XXXX account on my credit reports. 

XXXX XXXX XXXX has reported that I am 30 days past due on my payment which is completely false. I have made all payments on time. I want XXXX to make the correction on my credit report as I am not 30 days past due. I have proof from XXXX XXXX XXXX account website that I have made all payments and I am not 30 days past due.

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 2019-06-08 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: EQUIFAX, INC.
State: KY

Complaint narrative:
On or about XXXX XXXX the United States District Court of XXXX District of Kentucky issued a Discharged in Re : XXXX XXXX XXXX and XXXX XXXX XXXX Vs. United States Trustee. Upon that discharged I demand that XXXX XXXX XXXX and its affinities to update my crerdit report to all major credit bureaus of my payment history for the last 73 prior months from this date. 
They have failed to do this or present me proof update my credit report with respect to my Mortgage History for the last 73 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
On or about XXXX XXXX the United States District Court of XXXX District of Kentucky issued a Discharged in Re : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX United States Trustee. Upon that discharged I demand that XXXX XXXX XXXX and its affinities to update my crerdit report to all major credit bureaus of my payment history for the last 73 prior months from this date. 
They have failed to do this or present me proof update my credit report with respect to my Mortgage History for the last 73 months.

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 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/XXXX received letter stating that from XX/XX/XXXX to XX/XX/30 if i were to spend over {$550.00} i would receive 20 % extra cashback on top of what already earning. There was a ph # to call and to provide enrollment #. I called and activated it. I made sure to spend enough in XX/XX/XXXX / XX/XX/XXXX to qualify. When called back in XX/XX/XXXX to follow up on the status was told they don'-t even have the record of the letter being MAILED to me. I faxed the letter as advised. Received response in the mail claims I did not active the offer. Again called CSR to rebute but nothing. Hitting a wall. I don't even know how would i proof that i activated. I am on one-rate plan with phone company so I don't even get detailed bill. Yet feel i was cheated. Help? 
P.S. The company recently sent another invite. This time i activated it ONLINE and again today was trying to confirm and the rep did not confirm it saying she has no way to know if I activated one or not. Seems there is a issue with your activation process

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 2019-06-08 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Company was applying my payments incorrectly. Had been paying over the minimum amount, changed auto pay to begin charging minimum amount and that's when all the issues started. They tried to tell me that my payment made in XX/XX/XXXX wasn't for the XX/XX/XXXX - XX/XX/XXXX billing cycle that it was actually for XX/XX/XXXX. They told me that my payments are actually for the next months statement. So instead of applying my {$100.00} payment, they only applied $ XXXX.They kept reversing my transactions to where I don't even know what I have and haven't paid. My XX/XX/XXXX payment was late because of these issues I was having. I made a payment online for the due amount. Then on my next statement, it said that I was {$3.00} past due.I made a {$100.00} payment on the company 's website on XX/XX/XXXX, minimum amount due was {$3.00}. My payment then was due on XX/XX/XXXX. I made a payment on XX/XX/XXXX for {$170.00}. I should not be at fault and penalized for {$3.00} if I was unaware that I even owed that. I paid a late fee that I shouldn't have even paid. When I called to talk to them about this they didn't even bother to help. I submitted disputes with all 3 credit bureaus. XXXX sent me the results dated XX/XX/XXXX which showed that I was in good standing and that I was never late on payments. However, I looked on the website today and it had changed back to negative. How are they able to change the status without sending me some type of reason why it was reversed over two weeks later.

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 2019-06-08 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: GA

Complaint narrative:
Unauthorized inquiries reporting on credit report : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 'XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 30

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 2019-06-08 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: FL

Complaint narrative:
These inaccurate accounts are reporting on my credit file : XXXX XXXX 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 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I received a review copy of my credit report from Experian after I requested a investigation. The results from that investigation showed that experian had deleted a chapter XXXX bankruptcy. On XX/XX/2019 I reviewed my credit report online from experian which showed the bankruptcy had been replaced back on my credit file. Per section 609 of the FCRA once an item is deleted without evidence of signed documentation an item can not be placed back onto a consumers credit once deleted. Why was this put back on after being deleted?

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 2019-06-08 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: GA

Complaint narrative:
Unauthorized inquiries reporting on credit report : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation