vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME/ORIGINAL CREDITOR : XXXX XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE XXXX, REPORTING ON XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX  XXXX XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ONLY ON XXXX  AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX XXXX., ACCT # : XXXX REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX/XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, ONLY REPORTING ON XXXX AND XXXX.. ACCOUNT NAME : USAA FEDERAL SAVINGS B, ACCT # : XXXX, REPORTING ON XXXX, XXXX AND XXXX   REPORTING XXXX : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX  AND XXXX ACCOUNT NAME : XXXX XXXX XXXX : ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. 

FOR INQUIRIES, THE FOLLOWING ARE THE REMAINING INQ 'S WHICH ARE REALLY OBSTRUCTING ME : XXXX XXXX-DATE OF INQ : XX/XX/XXXX. 
XXXX/XXXX- DATE OF INQ : XX/XX/XXXX XXXX XXXX-DATE OF INQ : XX/XX/XXXX. 
XXXX XXXX XXXX- DATE OF INQ : XX/XX/XXXX. 
XXXX- DATE OF INQ : XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: IN

Complaint narrative:
I had cancelled my XXXX service. I was told my XXXX that I had 90 days to pay remainder of the bill. Two weeks later it was forwarded to Afni collection agency. They have been harassing me with phone calls. I've never received anything in the mail pertaining to the debt and when they called, I had no idea that I could dispute the amount with them. In fact, I was told that I couldn't dispute. I received a phone call today and the man I spoke to was very rude and called me an XXXX for not knowing I could dispute the debt and he then told me I was lying about not receiving any letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX SS # XXXX-XXXX-XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details XXXX , XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX XXXX , XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX, Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XXXX XXXX, XXXX Miscellaneous Reptg. Agencies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # 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 2019-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
INCORRECT SCORING DUE TO INCORRECT INFORMATION It seems that Trans Union has an issue with reporting information inaccurately, at least in my personal info. I've tried to correct it with writing them ( and sending proof ), and calling them but to no avail.

For one, my credit is in good standing with all my creditors and has been for some time ; I do have high balances ( due to bad contractors, etc. ), but am trying to lower them as soon as possible. I've never been late nor have I ever skipped a payment and try to always pay " more '' than the due amount.

I am not one to request account " increases. '' I am happy with whatever I've been granted. However, it seems that creditors, from time to time, will request information for whatever reason they deem it necessary. It's always been Trans Union to discredit my creditworthiness and, whenever someone has requested my credit information, up until today, to Trans Union I either have a " seriously delinquency, '' or " time since delinquency is too recent or unknown '' information. To them, I even have a bankruptcy ... But, no docket number or court information. Up until late last year, my credit score with Trans Union was in the mid 500s, until I sent  them proof of what they stated was holding me back from a better credit score. All my current accounts are in good standing, and have a great payment history. 

Please refer to the attached documents ( just a few ; I have more ) from creditors and note their reasons why my limits have either been lowered or was impacted. 

I sincerely would like you to investigate Trans Union as to their reporting practices and for this reporting agency to keep an accuracy of my credit scoring and information. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On my credit report I noticed 2 delinquent, and then derogatory, credit card accounts for 2 different XXXX XXXX stores in IL and SD. I live in Colorado and have never shopped at a XXXX XXXX. The cards were issued by 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 2019-03-20 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: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
On XX/XX/19 I received an email alerting me that there was a change on my XXXX credit report. When I looked at it, the company Mr. Cooper ( which is the company we have our mortgage through ) had done a hard inquiry on my credit without my consent. My husband authorized it for himself but not for me when he spoke with them on the phone on XX/XX/19. On XX/XX/19 I placed a freeze on my XXXX   account and initiated a dispute. On XX/XX/19 I contacted the Mr. Cooper employee that spoke with my husband and told him that the credit check was not authorized and that I will be needing a letter from him stating that the credit check was not authorized so that I could send it to XXXX  and get it off my record. The employee told me that he couldn't do that and referred me to his manager who then told me that they could legally check my credit without my consent since my husband agreed to a credit check on himself. If I did not give consent and they made no attempt to contact myself when they did the credit check, do they really have the authority to do a hard inquiry on my credit without my consent?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We lost our home in the XXXX fire and it was a complete loss. We have a reverse mortgage on it with Ocwen as the mortgagor. We tried to get a hold of Ocwen to let them know what happened and find out what we needed to do to settle the issues with them. We called Ocwen gave them the details and tried to look up our account with the social security number, the home address, the telephone number xcetera and they had no record of the mortgage. We made various attempts to contact them to resolve this issue and it seems like nobody new who we should get in contact with to get this issue resolved! We ended up sending a letter which got no response. Then we sent a certified letter which did get a response we found out they got the message. In trying to get a hold of someone who knew what we should do or the process we should follow was very, very difficult. we got switched from one Department to another department and people just did not know what they were doing. 
After a lot of effort I finally got ahold of Ocwen 's Reverse mortgage servicing Department and a person named XXXX XXXX. Tried to let him know what was going on and the efforts we made to get ahold of someone who could help and the fact that we had been trying for months to do so. I let him know that we needed to find out how much money they had spent to acquire the reverse mortgage, all of the charges that were involved, and what we needed to pay. He gave me the amount that was due at the time of our conversation or the prior month. 
I let him know that we needed to have it retroactive back to XXXX when we tried to contact them because we made the effort to resolve this issue and we couldn't get a hold of anyone to do it. He said they don't have any means of going back and getting the payoff to the XXXX date. I asked him if I could speak with his supervisor and he would not give me a phone number. However, I did get an email for his overseer Mr. XXXX and sent him an email explaining what was going on and asking for his help. 
Because we felt that the lack of communication was on Ocwen and that we had been treated unfairly reached out to the consumer affairs Department, HUD, and the Attorney General the state of California. This is part of the process we're going through now. We also found out that there's not a whole lot of information about how to deal with people who handle reverse mortgages. Even the governmental departments don't really know what's happening with those mortgages. 
It's very frustrating when you have a huge company that doesn't fulfill their responsibilities and gives you the run around and are not willing to work with you. Not only have we lost everything but, now we have to spend time energy and the emotional energy ( which we really don't have ) to deal with an organization that could care less about what's happened, what's happening or how you are being affected by the devastating affects of losing everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: FL

Complaint narrative:
XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX SS # XXXX To Whom it May Concern : XXXX   XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX Misc. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX SS # 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 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
Received a call on my work phone. Caller ID showed a local Cell number so I thought it was a valid work call. When I answered it was a lady From National Credit Adjusters. they were calling daily so I answered today because again I thought this was a work Issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This bank opened an account for probate ( trust acct. ) without proper probate members ( family members ) listed by name on the trust paperwork. They weren't listed on the bank acct. Then distributed monies for anything requested by 2 or more parties upon request from said Trustee. This started shortly after my Mom deceased in XXXX. The executor of the acct. has WAIVED all HER rites to manage my parents legacy, according to all the lawyers retired and active, I have been seeking help with this 5 long years and counting ... ... This matter needs to be handled as quickly as possible, Please. I'm homeless due to her actions. I need a financial statement from the acct., in question, from a probate judge. Rabo banking in CA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I originally received a credit card from an XXXX store, which issued me a XXXX credit card. I used it from XXXX-XXXX. I stopped making payments in the Summer of XXXX. I was out of the military in XXXX, and using my GI Bill during this time as my only income. 

XXXX which is based in XXXX, has a head office in Delaware. The statue of limitations for this type of situation, is typically two years. The debt has been sold to a company called Midland Funding, which has especially in the years immediately after payments stopped, contacted me several times through phone calls, voicemails, and letters. 

I do not believe they have the authority to collect this debt, and never did as it was outside of the statue of limitations from the time I first received a letter. Yet, they still send me letters offering settlements, or otherwise listing negative consequences if I do not pay the debt. I also have veteran XXXX benefits coming into my checking account, so they could not garnish from it. There is a link on the CFPB website which also mentions this ( https : //www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-garnish-my-federal-benefits-en-1441/ ). I will include other attachments as well to illustrate my issue. Based on the research I have done, I do not believe this debt is within the law to enforce, and Midland funding is attempting to illegally intimidate me into paying, many years after it was enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I applied for an Access Account ( checking account ) with Citibank via online. I provided all the necessary information correctly. I was then prompted with a message stating I would hear from them by mail within 5 business days. Five business days approached I called them and was informed that they sent something out but that was all the information they could provide. Upon that still got nothing and so I called again once 9 days had passed. On XX/XX/XXXX a representative had me confirm my address and informed the UNIT number was missing so that was the error. Despite this I have a screenshot of the completed application which shows I put my unit number. The representative then tells me I will need to go in the branch and apply again. For a checking account. This is not credit - there should not be this discrepancy or what appears to be action in bad faith with personal information. I provided my information as services stated and they did not do the same. I met all requirements as advertised for a checking account with Citibank. Each time over the phone verified my identity. I should not have to render my information again. They need to provide a clear, accurate result. I believe there are biases here and this to be of discriminatory nature. Stating the status of an account with my information has no bearing on compromising information. The representative stated I couldn't even go into a branch to get clarification. This needs to be reviewed and I would like some answers especially given that I provided my confidential information for a service that was done improperly and unprofessionally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland credit management inc. is saying that I owe XXXX for XXXX Bank and I never used this company before. They sent me a letter stating that I will be subpoenaed on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
On XX/XX/XXXX I purchased a rebuilt XXXX XXXX XXXX vie XXXX. I paid for it with paypal. It included a warranty for 12 months. In XX/XX/XXXX I paid my garage over XXXX to install the transmission. Immediately upon driving the van I noticed a high pitch whine when shifting gears. I took the van to a transmission shop and they staed that the case that the transmission was rebuilt in was probally defective and to ask the supplier, XXXX XXXX what the rebuild procedure was and did the use a new case. I attempted for over two months to contact the seller via email and telephone and never got a response. I provided records of these texts to paypal disputes and when I contacted them, the stated that they had not been able to reach the seller as well and I would be getting a credit for the transmission. After few more months went buy they never removed the charge and I contacted them for assistance. They stated that the matter was still under dispute and no interest was accruing. I continued to pay on the account as I have other charges from other sellers. At that point I contacted pay pal and they stated that it was still under dispute. In XX/XX/XXXX I started to accrue finance charges for this item. Paypal just closed the dispute and I continued to pay for a defective item so it would not affect my credit. So at this point it is almost paid off and I have accrued over {$210.00} in fees and interest for a noisy, defective transmission that makes my vehicle unreliable. I don't understand why paypal would tell me the dispute was in my favor since they could not contact the merchant, nor would the merchant every contact me back, then start charging me interest on this item. I am at a loss over this situation.

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