vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-05 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:
I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  and there are inquiries on there that I dont know where they come from please remove them as well 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  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX I have reached out to FTC and my local police department and I am doing this on my own behalf.

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 2019-07-05 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: OH

Complaint narrative:
Found these accounts and inquiries on my credit report : 1 ) XXXX : {$1900.00} opened XX/XX/XXXX 2 ) XXXX XXXX/XXXX : {$310.00} opened XX/XX/XXXX XXXX ) XXXX XXXX/XXXX XXXX XXXX : {$120.00} opened XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX XXXX : {$1400.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX/XXXX XXXX XXXX : {$540.00} opened XX/XX/XXXX 6 ) XXXX XXXX/XXXX XXXX  : {$2500.00} opened XX/XX/XXXX 7 ) XXXX XXXX XXXX/XXXX : {$460.00} opened XX/XX/XXXX Inquiries 1 ) XXXX : opened XX/XX/XXXX XXXX ) XXXX XXXX : opened XX/XX/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 2019-07-05 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: OH

Complaint narrative:
Found these accounts and inquiries on my credit report : 1 ) XXXX : {$1900.00} opened XX/XX/XXXX 2 ) XXXX   XXXX : {$310.00} opened XX/XX/XXXX 3 ) XXXX XXXX/XXXX XXXX XXXX  : {$120.00} opened XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX XXXX : {$1400.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX XXXXXXXX  : {$540.00} opened XX/XX/XXXX 6 ) XXXX XXXX XXXX : {$2500.00} opened XX/XX/XXXX 7 ) XXXX XXXX XXXXXXXX : {$460.00} opened XX/XX/XXXX Inquiries 1 ) XXXX : opened XX/XX/XXXX 2 ) XXXX XXXX : opened XX/XX/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 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: MT

Complaint narrative:
This is a copy of the letter I sent to " CoreLogic Credco '' CoreLogic Credco XXXX XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, Montana XXXX Previous Home Address XXXX XXXX XXXX  XXXX, Vermont XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " CoreLogic Credco '' never responded or complied with my request. I will send them the letter again via certified mail.

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 2019-07-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I just called ( XX/XX/19 ) HESAA to inform that I am unable to pay the $ XXXX/month on my loan of {$19000.00} due to me paying other student loans, mortgage payments and other bills. The representative stated she can not change the payment arrangement. Once a payment arrangement is calculated and sent to the consumer no changes can be made. I then asked to speak to a manager and she stated no one was available for me to speak with. This is unacceptable. My loan should be at least reviewed for a lower payment arrangement or a calculation of my income with bills should at least be considered. The way this was handled was unprofessional. I want to pay but can not. if needed I will send {$50.00} just to have something on record each month that I am trying to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I opened a dispute with Waypoint Resource Group about a XXXX bill that I never signed up for ( XX/XX/2018 ) - it is possible that a family member used my payment information without my knowledge. 

At this point, I am perfectly willing to pay the ~ {$300.00} to get it off my credit report but every time I call the collection office, their lines are busy and I can't connect or pay through an online portal. 

I would like to negotiate this bill lower due to my lost time in contacting them, and my ( at best ) partial responsibility for the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Recently CHASE has been doing the most unscrupulous banking tactics that are both unconscionable and unacceptable. 
CHASE has been paying ACH and outstanding checks - as they have done repeatedly, setting past precedence, since my bi-weekly payroll deposits are consistently done. 
However, recently, CHASE has allowed ACH and checks to pay, only to reverse and send back, causing unnecessary charges on both sides. 
This has cost me astronomical charges in the hundreds of dollars!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-05 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: AL

Complaint narrative:
I'm relocating to Arizona and looking to purchasing a new home there. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX DEBT. Inquires : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify)
State: MT

Complaint narrative:
This is a copy of the letter I sent to MicroBilt/PRBC, MicroBilt / PRBC Attn : Consumer Affairs Department XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Home Address XXXX XXXX   XXXX XXXX, XXXX XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " MicroBilt/PRBC '' never responded or complied with my request. I will send them the letter again via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
1. I visited PNC Bank 's website and opened a high-yield savings account on Sunday XX/XX/XXXX. 
2. During the account opening process, the option to link an external account to transfer funds to open the account as available. I linked my XXXX account via providing my online banking credentials, and authorized a transfer of {$50000.00}. The funds were immediately debited from my XXXX account. 
3. On Monday XXXX, I attempted to access my new account with PNC via their XXXX app and on a desktop computer. Both attempts failed and I was not able to reset my online access. 
4. I called PNC and spoke with a representative. She stated that my account was flagged to close because it was not funded. I found this strange because I authorized funding of $ XXXX  from my XXXX account, which had already been debited. She escalated the call to a manager named XXXX XXXX, who confirmed the information and advised that my ACH transfer of $ XXXX  would be refunded. I no longer wanted the account because of the poor account opening experience ; I no longer trust PNC Bank. She gave me a reference number XXXX. In total, this call took 60 minutes of my time. 
5. I waited until the morning of XXXX but still my money hadn't been transferred back. I called PNC in the morning and spoke with a manager named XXXX XXXX, who said that my funds would be transferred back to me by XX/XX/XXXX. She gave me a confirmation number of XXXX. This call took 45 minutes of my time. 
6. I called back at XXXX XXXX  PST after checking my account and finding that my funds still had not been returned. I spoke with XXXX XXXX, who said that ACH refunds should take 1 business day. She tried contacting her ACH department, but found that they were already closed for the day. She advised she would call me back on Monday. this call took 40 minutes of my time. 

I'm failing to understand why it is taking PNC so long to return my funds. They certainly were able to debit it via ACH within 1 business day. It should take the same amount of time to return it. This issue was caused by their own computer/system failure ; this was a bank system error. They have held my funds for a week and I've had to call multiple times, have spoken with multiple people and had to repeat myself each time, and still there is no resolution. Meanwhile, they've held my money and I have not received any interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Harris and Harris is continuing to contact me about a debt ( XXXX ) owed by my insurance company to XXXX XXXX . We have had multiple conversations with all parties involved and the insurance company has agreed to pay XXXX and is working out some issues related to overbilling. Harris and Harris continues to call several times a week ( and sometimes several times a day ). They never leave a voicemail identifying themselves or why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: IL

Complaint narrative:
I have a checking account with Chase Bank. A forged check for {$1100.00} was cashed from my account. I am unable to locate the actual physical check used, although having my other checks in my possession. I have reason to suspect my landlord 's son is responsible for the forged check. 

I am no longer living under this landlord, there were issues making the residency uninhabitable and I moved out within 20 days. My security deposit check was returned. Shortly after, a forged check was cashed from my checking account. The landlords son had been in my apartment at least twice in my absence, that I am aware. 

Chase Bank initially was supposed to reimburse the amount of the forged check ( {$1100.00} ) within 3-5 days. Speaking again with Chase Bank this morning ( XX/XX/19 ),  they said it would be reimbursed by the end of the business day. It is now the end of the day, and has not been reimbursed. It has been 8 business days from when I reported this. And it has still not been reimbursed. 

Please inform me of my rights and what next steps I can take to get my money back. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
I got a my background report from First Advantage XXXX XXXX XXXX for XXXX XXXX XXXX XXXX, I never lived in XXXX XXXX XXXX XXXX XXXX, then I've been at XXXX XXXX XXXX XXXX, since XXXX, no breaks. It says I've been there XXXX then there's no XXXX, it skips to XXXX. I am still living here. 

In Texas Department of XXXX XXXX XXXX XXXX, TX there's a case under XXXX, Date case XX/XX/XXXX, Defendant : XXXX XXXX XXXX, XXXX : XXXX, Charge : Drive while intoxicated with Child Passenger, Charge Case : Felony, Disposition : Convicted, Disposition Date : XX/XX/XXXX, Sentence : Fine XXXX ; Costs XXXX ; Confinement 18 Months ; Probation 4 years. 
That is not me! My middle name is not XXXX! Its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I opened a dispute with TransUnion on XX/XX/2018 and per their own website it is still not resolved. The TransUnion dispute number is XXXX. 

I have called multiple times to resolve this issue and the most recent call ended up with the TransUnion representative hanging up on 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 2019-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
My loan was with Ditech. I became unemployed and missed payments, they kept chatging me field rep fees. I argued about this, sold furniture from my house and borrowed from a friend to bring current. They charged more fees. Then did yearly assessment in XX/XX/XXXX and raised my house payment. Then sold my loan to XXXX who did another yearly escrow assessment and raised my house payment again. I just got a job making significantly less than before. Ditech didnt apply payments right and chrg fees. I cant get proof of this because they have blocked me from my online acess since loan sold. XXXX is just as bad, uneilling to help, told me if i dont pay new amount ill lose my house and not their problem i cant afford things. I never was late on house payment till XX/XX/2018. Now im getting charged more fees from this new company and it seems like they are wanting me to lose my house. I signed the petition against ditech on lawsuit, after i did is when my loan went to XXXX and they are worse. I dont know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
The company approved for loan amount of XXXX in XX/XX/2019 first installment due date XX/XX/2019. I was verbally set up through customer service to have my savings account to make automatic payment monthly to also save in interest rate at 25 % verses 27.99 % Due to the monthly auto pay. On Monday XX/XX/XXXX I checked with my savings no withdraw had been made. I called Marcus Sach and they said there must have been and error when setting up the payment, Why did I receive the loan it was deposited with no problem they said they would arrange again to fix the problem On Tuesday it still was not fixed, I called again and they again said it was fixed. Wednesday no payment still I again spoke with this time a manager and he said to check with my bank the bank indicated there had been no attempt from them to withdrawal. On this day I made a one time  transaction to pay over the phone so it was successful. The interest rate is 5 % daily after the site date as these fees will fall at the end of the loan. It was not my fault as the agreement at the beginning also to get a cheaper interest having set up on monthly auto pay. I think that this was purposely done and may have happened to other consumers, I feel it is a scam and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I filed two complaints with your agency they are XXXX and XXXX in XXXX concerning short sale and to get approval from the mortgage company Ocwen, Please reference these complaints to become familiar with my case, As of this date XX/XX/XXXX, we still have not closed on the short sale. The mortgage company Ocwen has now been brought by XXXX mortgage in XX/XX/XXXX. I was assigned a new account and we had to resubmit documentation several times over the last 6 months for contnujeing the short sale, We have been trying to get this short sale done well a year and a half besides having to find another buyer and after they had to get 2 more appraisal of the house over the last six months to get a unrealistic sales price to meet their acceptance, We have been diligently submitting documentation and follow-up with my realtor in negotiating the sale, Futher delays may cause the buyer to back out of the deal if we continue to have delays from XXXX mortgage, HELP US to get this sale expedited,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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:
I have submitted numerous disputes to Experian to no avail to remove accounts that do not belong to me. They are in violation of the FCRA. It is at this time that I will point out that in XXXX XXXX XXXXn, 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 e-Oscar system that does not even contain my reasons for the dispute is not reasonable.

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 2019-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I deposited a check of {$1200.00} my friend wrote me in on Tuesday XX/XX/XXXX, and the friend who wrote me the check told me there's something wrong with her account so she has to placed a stopped payment check on the check she wrote me, and right after she told me that I called Capital one to let them know and to see if there's anything they can do to cancel the check i deposited in and the agent lady told me it's not the problem and she can't cancel the check that it been pending already but she told me not to worry since my friend has place a stop payment on her end so it's not going to effect on my account until today my card got declined on XX/XX/XXXX, and I saw Capital One placed a permanently restriction on my account so I called them right away to explained the situation and they asked my friend 's number and Capital one gave them a called to confirm the situation and to confirm if my friend is the one who wrote me the check, and right after they confirm it they told me they can't removed the restriction because they didn't see any note put in my account about i called in on XX/XX/XXXX about the bad check situation and the restriction it's permanently. But I did called in and I still have a calling history on my phone but just that lady didn't put any note in my account.

Company response to consumer: Closed with explanation