vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX  continues to maintain Hard Credit Inquiries on my Credit Report that are unauthorized. I have notified each company by mail and phone more than once more than twice. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. I contacted XXXX  Credit Bureau by phone and mail. I was told by XXXX  that credit inquiries are FACTUAL, I don't ' know what that means and when asking the XXXX  representative the explanation I got was that the credit inquiry had to be authorized by me and that the credit inquiry must remain for two or more years. So my question is if a hard inquiry is not connected to any accounts on my credit report and the same hard inquiries are displaying more than one time, why would that be factual? Please help me. With all these security breaches and Hurricane Florence I have been displaced from my home and now living with family. This is a hardship for me as I am trying to make sure that my credit reports are displaying the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR.I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CEDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXXO BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: PRESTIGE FINANCIAL SERVICES INC
State: NC

Complaint narrative:
ON XX/XX/2018 I WENT INTO XXXX   XXXX XXXX TO TRY TO PURCHASE AN CAR.I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CEDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: FC HoldCo LLC
State: NC

Complaint narrative:
ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN EIGHT TTIMES. I WAS APPROVED THROUGH CXXXX XXXX BUT THREE LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIME WITHOUT MY CONSENT. THIS HAS DAMAGED MU CREDIT SCORE SOME MORE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC

Complaint narrative:
ON XX/XX/2018 I WENT INTO XXXX  XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN EIGHT TTIMES. I WAS APPROVED THROUGH XXXX XXXX BUT THREE LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIME WITHOUT MY CONSENT. THIS HAS DAMAGED MU CREDIT SCORE SOME MORE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: Global Lending Services LLC
State: NC

Complaint narrative:
ON XX/XX/2018 I WENT INTO XXXX  XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN EIGHT TTIMES. I WAS APPROVED THROUGH XXXX XXXX BUT THREE LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIME WITHOUT MY CONSENT. THIS HAS DAMAGED MU CREDIT SCORE SOME MORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I tried to close a Wells Fargo bank account on XX/XX/2018 that I set up for a foster child that was in my home but when I tried to close it they would not allow me to because he deposited a counterfeit check and withdrew the money before the check cleared. He is still able to use the debit card even though he is negative in his account by thousands of dollars. However the bank says that Im responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have provided the Credit Reporting Companies with the proper documentation to remove items from my Equifax, XXXX and XXXX Credit Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX/XXXX XXXX. I have requested validation of this account. The have continued to provide me with copies of statements and will not provide me with anything being my signature to validate the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have sent notices by Consumer Federal Protection Bureau complaints with out any closure on two accounts that Portfolio Recovery Services refuse to provide documentation for. Portfolio Recovery Services has been ignoring my request for proper debt validation.

I initially filed a complaint XX/XX/2018 ( CFPB # XXXX ) requesting debt validation and accounting of the accounts. They did not provide either within the 30 day window. They ignored me and sent a generic letter. I also disputed this with the 3 credit Bureaus and Portfolio continues to not provide proof They are using illegal practices and policies of using mailing addresses and names on validation letters. I filled a compliant XX/XX/2018 ( CFPB # XXXX ) requesting validating and full accounting and on my accounts.

They responded with a letter addressed to someone who is not me. I do not know who XXXX XXXX is. This is another example of them showing they do not have documentation for this debt.

I also mailed a letter of dispute to them directly in XX/XX/2018 through the Postal Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have provided the Credit Reporting Companies with the proper documentation to remove items from my XXXX, TransUnion and XXXX  XXXX Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX XXXX. I have requested validation of this account. The have continued to provide me with copies of statements and will not provide me with anything being my signature to validate the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I have been trying to delete this 2 past due payment, i started the automatic payment and they did not withdraw the money from my account on time then when they contacted me i pay the 2 month a delete the automatic payment to avoid mistakes like this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Upon signing my loan I was told directly by a Loan consultant from West lake Financial of XXXX XXXX CA that I would be able to get into another vehicle after I made 6 payments. I have currently made a total of 8 payments and they have reneged on their promise. I have asked this company repeatedly to put me in another vehicle or lower my current interest rate. This is verbiage from the email i sent them : My name is XXXX XXXX a current Westlake Financial customer with account # XXXX, I want to speak to a representative in regard to when I originally negotiated payments terms I was informed I would be able to get another vehicle or apply to have my interest lowered. Since this has not happened I want to do a voluntary repossession. Now what can waiver my decision or cancel this action, would be for your company to lower my very high interest rate of 23 % to around 13 %. Please update my online account to reflect to a lower payment so that I will know my interest on this account has been lowered for the month of XX/XX/2019. If this action can not be done, please send paper work for me to relinquish/surrender/give back the vehicle. Please email me all electronic documents where I can provide a electronic signature acknowledging my voluntary repossession Also send a final statement showing the payment difference or final balance after the vehicle has be sold at your auction. Thanks for viewing my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: FL

Complaint narrative:
I have been trying to delete this 2 past due payment, i started the automatic payment and they did not withdraw the money from my account on time then when they contacted me i pay the 2 month a delete the automatic payment to avoid mistakes like this one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: FL

Complaint narrative:
I have been trying to delete this 2 past due payment, i started the automatic payment and they did not withdraw the money from my account on time then when they contacted me i pay the 2 month a delete the automatic payment to avoid mistakes like this one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: FL

Complaint narrative:
Equifax are to reinvestigate the negative item shown on my credit report and to provide PROOF OF ACCURACY OF VERIFIED ITEMS BY PROVIDING ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE OR TO REMOVE ANY AND ALL NEGATIVE ITEMS WHERE CONTRACT COULD NOT BE PROVIDED. As of Today, I still have not received any valid proof of verification from Equifax yet they continue to report the items as accurate and verified. These account are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: U.S. BANCORP
State: FL

Complaint narrative:
account was initiating an automatic payment and they did not process the payment on time then i pay over the phone to put the account on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: FL

Complaint narrative:
account was initiating an automatic payment and they did not process the payment on time then i pay over the phone to put the account on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: FL

Complaint narrative:
account was initiating an automatic payment and they did not process the payment on time then i pay over the phone to put the account on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: FL

Complaint narrative:
account was initiating an automatic payment and they did not process the payment on time then i pay over the phone to put the account on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
They did not respond

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello good afternoon my name is and XXXX XXXX XXXX I have a checking account with Citibank every two weeks this bank is over drafting me on so much fees now I looked on my account and it is showing I owe them XXXX cent I called them today a few mins ago and asked why do I owe them that amount they charge me a XXXX dollar sevrvuce fee then a XXXXdollar non atm fee and another XXXX dollar drafting fee Citibank is robbing me this is every two weeks they are doing this not only to me Im sure millions of people Im ready to cancel my banking with them cause its too much they are thieves I have a family and bills and rent to pay cant take them anymore

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen responded to a complaint with the CFPB with errors of information. They stated that documentst are located in XXXX count records and they have mail me copies of the signed modification for XX/XX/2014 and XX/XX/2018. Ocwen stated they own the loan and the title of transfers are located in XXXX County and they have sent them to me. I have not received the documentation.
I have asked OCWEN to provide the Lender on the home being they can not foreclose until they do. The Lenders they provied one was seized by the Federal Government XXXX XXXX The other Lender they provided is no longer in business XXXX and they sold the loan.

I asking for all documentation to be sent to the CFPB as an attachment before OCWEN can move to foreclose on XX/XX/XXXX or XX/XX/XXXX 1 ) title of transfers from the orgination of the loan I show many possible times this loan has been sold without a chain of title. They own the loan they need to show every title up til OCWEN purchased the home 2 ) I am asking for the them to send to the CFPB the modification documentation showing we have an agreement where I reviewed the documentation of a new modificaiton contract with my signature. I am requesting XX/XX/XXXX signed documentation. I am requesting XX/XX/XXXX signed documentation of agreement. I agreed to the modificaiton.

3 ) Once again OCWEN is a debt collector trying to collect from an old debt that is pass the statuse of limitation. I am asking to OCWEN to show an active lender who has this loan. A trust is not an active lender. XXXX XXXX is not in my orginal documents and can not have the trust for the loan, As XXXX XXXX was and is still the trustee for the LOAN. I understand transfer of assignments, but not transfers of TRUST. Explain how a trust closes and then reopen and is assgined without my approval or signature being I had to approve it from the start once a trust is closed it is closed.

4 ) PLEASE provide the FDIC agent/department who assigned the Loan to OCWEN. The transfer of assignments happen in XX/XX/2015 9 plus years after XXXX an a transfer must be done within 30-60 days. Please explain?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony has unethical practices by lowering credit limits to good paying customers. I contacted Synchromy on XX/XX/XXXX to request an explanation as to why my account limit was lowered negatively affecting my credit score. Agent was outside of the US and couldn't understand me and transferred me to an agent in the US. Agent in the US offered to close my account which I did not agree to. A month later I received a card that my account had been closed.

I contacted company on XX/XX/XXXX and XX/XX/XXXX to get a response as to why my account was closed. Both agents stated that I had requested to close.my account. However, I never agreed.to have my account closed. When I had previously called synchrony I discussed with agent option to close, but never agreed to close account because call.dropped. synchrony closed my account without reading the appropriate disclosures to me or getting my statement recorded. 

This company has negatively affected my credit after I have been a good paying customer. Their practices as harassing and deceptive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Acccount Number XXXX, Wells Fargo. Master Card The issue is they stopped sending paper statements and I was not aware of this situation. Statements Stopped after XX/XX/XXXX. I have asked Wells Fargo to remove late fees and report to Credit Agencies as this was their mistake. They do no seem to be taking responsibility for this mistake. I am asking for a XXXX credit for these late fees and removal of any negative reporting to the agencies. Wells Fargo case # is 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 monetary relief