vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently pulled my credit report and i have a number of inquiries on my Transunion credit report that I did not authorize, or allow anyone employed by these companies to make an inquiry and view my credit report. This is a direct violation of FCRA section 1681b ( c ) and a serious breach of my privacy rights. 

I have added a fraud alert on my account during the time range that these inquiries were added to my credit report and notification should have been given to me before any of these inquiries should have been made. I would like these fraudulent inquiries deleted from my credit file immediately XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2019-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
As per Home Owner 's Protection Act the Private Mortgage Insurance will automatically terminated when the principal balance of loan reaches 78 % of the original value of the property. HPA disclosure attached from XXXX Bank ( my previous loan service provider ). 

My loan service provider confirmed that my loan is 64.60 %. 

I requested them to terminate PMI automatically as I qualify as per HPA but they refused to terminate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: WA

Complaint narrative:
I am in process of applying mortgage through www.better.com and they asked me to sign a blanket form and told that they can not move the application until I sign the blanket form.

Please see the attached form XXXX XXXX XXXX XXXX XXXX This is the borrowers authorization form with a summary of this. Once I sign it means, that I have authorized them to access any of my data any time they want. Which could mean, they can check my credit report every day. 2. they could check my taxes every year 3. they could check my bank accounts 4. they have all rights, even after I close the account, because it is a blanket statement. In contrast to the above, I showed them XXXX and XXXX form, both of which have time limit, where it says they can access documents for 1 year or some agreed time limit between both the parties. While this better.com authorization form has NO time limit, NO mention of what documents they can access.

I tried to convince them so many times and they haven't even considered the request.

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
hi this is the unsolved follow up claim related to closed claim no # XXXX. Ally bank claimed that they mailed the check of {$10000.00} to XXXX on XX/XX/2019. Before they mailed the check, I called ALLY customer rep-XXXX   XXXX multiple times to ask her to provide me the tracking number and also WHO she connected in XXXX that has aware of the check. but they only told me tracking number. They gave a call on XX/XX/XXXX after the check was delivered two days after. I called XXXX customer service, they told me the credit card depart received the mail, but as my account in XXXX of XXXX was already closed, and they can not allocate the check. so they sent a check back to ALLY bank on XX/XX/XXXX. I called XXXX XXXX several times to ask her to stop the payment and issue me a check directly or at least write the check to specific name and location of XXXX who can receive, otherwise XXXX will always returned the check, they will not give my money back. but like the previous, no one connect with me again regarding this issue.

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 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On several occasions i have called Capital One to discuss my credit account. i have never been able to complete a phone call with any representative of the company until today XX/XX/2019. I am usually placed on a hold and my call is then disconnected or when a representative does come on the line they say they are unable to hear me and disconnect the call. I have been unable to use my credit limit when below my credit line. I was able to learn from a representative of the company identified as XXXX that my credit limit had been restricted for missed payments ( missed payments which i do not dispute and have since fully paid the balance ), when i pressed on where information about the restriction could be located in the cardholder agreement i was placed on a fifteen minute hold before the call was disconnected. i then was able to speak with a representative that did transfer me to a supervisor ( XXXX  ) to file an internal complaint with Capital One about what i believe to be misconduct and avoidance by the previous representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ascendium Education Group
State: MN

Complaint narrative:
XXXX XXXX and XXXX, representing Ascendium,  falsely claims they have not received a letter dated XX/XX/2019 requesting validation of alleged student loan debt in the amount of {$9800.00}. They are now unfairly attempting to proceed with a wage garnishment as of a letter dated XX/XX/2019, and have not validated the debt as requested. 

As of writing this, I am mailing a second request for validation of debt to XXXX. XXXX. This is also the 5th request for validation that has been sent to a collections agency in less than 1 year regarding Ascendium. The first four were to XXXX XXXX XXXX and the request for validation has never been satisfied. XXXX. XXXX, XXXX XXXX XXXX and Ascendium have demonstrated blatant disregard for the Fair Debt Collection Practices Act and legal action on my behalf is being considered. 

XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX Ascendium XXXX XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been trying to deal with Navient for the past 2 years, and Sallie Mae ( when it used to own my loans ). I was initially told by Navient that my loans would qualify for loan forgiveness if i met the 120 payments starting 2007. its been over at least a year since i have fulfilled this requirement, and they are not telling me the following : initially, i was told that because of the kind of loan repayment, that i did not qualify for the loan forgiveness, now i'm being told that the kind of consolidated loan that i have does not qualify because it is not a Direct Loan, which was the kind of loan that i initially had before i consolidated it per their advise. Navient is creating different barriers to avoid the loan forgiveness ... and relabeling a loan so that the 'kind ' of loan is not satisfied even though all other criteria is met. this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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 sent Experian a request to validate that Bankruptcy Chapter XXXX reporting on my credit file. Experian continues to report this inaccurate information. Have failed to provide a copy of any viable evidence submitted by Bankruptcy chapter XXXX. 
I have advised Experian that an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Also, they need to be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
They have not provided me any documents bearing my signature, showing that I have a legally binding contractual.

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 2019-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I hired XXXX XXXX XXXX to handle my debt that I have accumulated over the last 10 years. IQ Data International is one of the accounts they are working on to resolve for me. They continue to call even though I have followed my instructions to have them contact XXXX XXXX XXXX directly. They continue to say that XXXX XXXX XXXX wont work with them. Called again today and said that I'm not registered with XXXX XXXX XXXX and questioned if I'm even paying them. I have repeatedly asked them to not call me and to contact XXXX XXXX XXXX as instructed and they continue to call every 15 days. They have repeatedly threatened me and used vulgar language.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: CA

Complaint narrative:
I was never late 30 days on this account and I have tried to resolve this with XXXX XXXX and to come to  resolution but never happened.

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 2019-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
Trying to pay off a mortgage. I have not received a statement from company in two months. They said they were mailed. I went online with their website and got a balance and sent a electronic check which should reach then XX/XX/19. I tried to get a pay off amount and website said that was not available online. I called them and took two hours on phone before an agent answered phone. I was told that he could not give me a payoff at that time it could be faxed or mailed to me. They had to call recorders office to get recording fee. I could call back in three hours and get a payoff. I answered a survey giving poor ratings XX/XX/19 and received a call XX/XX/19 asking about survey. I asked that person to give me a pay off amount and he said it was not available and would request it to be sent by fax or mail. Their poor service is not right. I am calling as I file this complaint and have been on hold for over fifty minutes. Are they even license to do business in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
Debt Recovery Solutions LLC I was going over my credit file and seen a unverified account from Debt Recovery Solutions LLC XXXX! I don't recall even doing business with this company. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am unaware of the amount due and your bill does not include a breakdown of any fees or services never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: TX

Complaint narrative:
On XX/XX/2019, I sent XXXX a request to validate that Bankruptcy Chapter XXXX reporting on my credit file. XXXX continues to report this inaccurate information. Have failed to provide a copy of any viable evidence submitted by Bankruptcy chapter XXXX. 
I have advised XXXX that an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Also, they need to be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
They have not provided me any documents bearing my signature, showing that I have a legally binding contractual.

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 2019-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Off Lease Only Inc.
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX from Offleaseonly on XXXX XXXX XXXX in XXXX, Fl XXXX, on XX/XX/XXXX with a extended warranty. Things seem to fine ; about a week later I received the certificate for the extended warranty and it had the wrong make, model and vin number on it. I called XXXX XXXX ( finance manager ) that close the deal with me, she said she would check into it. Before I called her I called customer service and they contacted her, so on XX/XX/XXXX I called her and she text me back to say she was aware of the wrong info and that she would take care of it the next day. But that never happened. I have text messages of our conversation and also with whom I believe is someone from the warranty company saying that the vehicle I purchased was ineligible for the extended warranty. Now, I'm super concern of what I've gotten into. I immediately took the SUV back to them in the same condition I got it!, I left it in the front parking lot and I met with XXXX XXXX and left the key to the SUV with him. Since, that time its been a lot of lies and excuses everything but returning the check to XXXX and my {$500.00} to me as requested.That 's all I want so my credit won't be marred. I have proof of everything I've said. Unfortunately unable to provide. Checking with Attorney too!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Today XX/XX/XXXX I have been trying to talk TransUnion about my credit report but not help and take care of the negative inquiries reporting to my credit report. 
List negative inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2019-06-14 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: CA

Complaint narrative:
Experian continues to report me as having late payments on an account that was closed in XXXX and debt cancelled due to the creditor violating the terms of the agreement. In XXXX, I finally got an official debt cancellation notice 1099-C. The other credit unions show the old account as a closed account but not as a negative, charge off, late or failed pay. Only Experian does this and has continued to do it past the account existing at all! Every month, they still log me with a CO or FP for a closed account with a {$0.00} balance. It wasn't charged off, it was cancelled due to fraud, mixed files and other non-verifiables. They never fix the fraudulent late pay history on their report thus getting me denied a business loan from my bank for late payments that never happened. They also fail to give me increases for payments I did make on other accounts and their website and phones don't work. I submit disputes and they'll change small details in 30 days, but not the problem and don't give me my real score. When a company did a hard check, it was much higher than what Experian told me it was. Then I call and get left on hold for 2 hours, hung up on 3 times in one day and told my IRS form can't load due to technical issues, then told it went through but finally get an agent who doesn't know how to find it, directs me to another uploader that also doesn't work. They also report late payments for a student loan that doesn't belong to me and says balance {$0.00}. Despite the fact that these accounts aren't supposed to be there at all, how would one pay {$0.00} 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 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have disputed this account, because it is inaccurate, I have also requested validation of the debt. 

In communication with the XXXX XXXX and XXXX, I made the process, having no results and return this account as verified, formally request, debt validation, instead capital one responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There are 3 hard inquiries showing on my credit report. These were done on XX/XX/2019. The names are Syncb/amazon XXXX FL, XXXX XXXX DE and XXXX XXXX XXXX VA. I did NOT apply for credit with these 3 companies. Should I be concerned with identity theft?

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 2019-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Arivo Acceptance, LLC
State: NV

Complaint narrative:
My auto loan account XXXX with Arivo Acceptance has been an outraged these past few months. 

Early in 2019 I had requested a due date change with my account representative XXXX who with out notice or cause was changed leaving an open situation that no one could seem to resolve. 

I was told my due date was move from the XXXX of each month until the XXXX which is not was agreed upon. Trying to reach the original representative on my account has been impossible. 

I have been what I can say is harassed by this company as they changed my address on file after trying to cross reference my file and has been sending statements to an address Ive never seen or heard of. The new account representative XXXX who I never heard from prior to him reaching out demanding I pay my payment after one day past a due date I didnt agree to! I have made several payments and have sent sensitive bank information over via bank statement and have spent numerous hours sending emails and calls to this company to try to get the fees rectified that I was charged in error and we are still not to a resolution that is beneficial to me as the customer/consumer. 

I paid my both my XX/XX/XXXXand XX/XX/XXXX payments more than 2 times each, both with different banks, were returned to my bank due to an error with Arrivo Acceptance. Each time a payment was returned there was nothing effecting the available balance before or after each transaction and this information was sent to this company via bank statement and they failed to clear up the problems. 

I want someone to step in and assist with this companys bad business practices as of today it looks like I owe nearly triple of what I originally was due to pay.of {$360.00}. The due needs to be changed to a date that is convenient for me and I would like them to stop badgering me with calls but not fixing any of my issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation