vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
My complaint is with Experian. 

They have dropped my credit rating ( within the last six months ) from XXXX ( in XXXX ) to XXXX ( this month ). 

XXXX  and XXXX  have maintained my rating at 800+ throughout this time period. 

The only reason I can see for this unfounded manipulation is that they want me to signup for their " Experian Boost '' program. 

Perhaps you will have the same complaint from others.

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 2019-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have serveral accounts with Comenity back. Comenity Bank has ruin my credit. they keep lowering my credit limit and closing accounts. They say they are lowering my limits because of my credit Score is lowing. They Closed my Ann Taylor account. I have never paid it late and my credit limit went from {$1300.00} to {$100.00}. then they closed my account with out letting my know. And they made my score credit lower again. I got so upset I almost did not pay any of my bills instead I just changed all the payment dates so now I can calm down. I believe it should ne against the law to do some thing like that. They lower my Victoria Secret limited and it looks like I am over the credit limit because the lower my limit from {$1000.00} to {$900.00} my balance was XXXX. No they have done this to my XXXX credit card never paid late {$1500.00} to {$300.00}. this is making my debt to ratio over 90 % and lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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:
It's not my account, i never applied for it. I believe that somebody used my personal information and applied for this company.

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 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Executive Credit Management, Inc
State: PA

Complaint narrative:
XX/XX/XXXX Executive Credit Management , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Re : XXXX XXXX Dear Mr. XXXX : Kindly be advised that I am in receipt of your letter to XXXX xxxx in regard to the above captioned matter. I do admit to signing a one-year lease with Mr. xxxxxx in XXXX. However, I deny any and all allegations, nor do I take any responsibility to your claim of a dept in my name or any known alias. 

After one year of residing in the apartment and the lease went to a month to month basis ; Del Code 70 Del. Laws, c. 513 1 ; 79 Del.  Laws, c. 47 20 ; 5106 ( a ), I provided XXXX XXXX with notice in XXXX of my vacating the property and moving to Pennsylvania. 

My letter providing notice of vacating the property was hand delivered to the office manager/family member of the previous XXXX owner, Ms. XXXX xxxxxxxxx along with that months rent. Whereby, Ms. XXXX xxxxxxxxx verbally acknowledged receipt of my notice to vacate the property. Del Code 70 Del. Laws, c. 513 1 ; 5707 ( b ) ; Del Code 70 Del. Laws, c. 513 1 ; 5113 ( a ) ; Del Code 70 Del. Laws, c. 513 1 ; 5114 ( 1 ) ( 2 ) ( 3 ) At such time, it was the responsibility of XXXX to  ensure the credit worthiness of Mr. xxxxxx solely residing in the apartment. If XXXX felt that there was no such worthiness, they had ample time to notify Mr. xxxxxx that he would be evicted. 

Additionally, no notice was ever provided to me at my Pennsylvania residence that Mr. xxxxxx had fallen behind on rent or that over six months of back rent was due ; Del Code 70 Del.Laws, c.513 5502 ( a  ) ( b ), verifying that, in fact, XXXX was not a party to the lease. 

I understand that XXXX had sold ownership in the last year, as I personally know the previous owners. I also understand that during the process of taking new ownership of such a large rental complex, a thorough investigation perhaps was not done. I therefore, suggest a reexamination of this matter. 

In the meantime, please cease and desist your harassment of mailing letters to Mr. xxxxxx to my home. Mr. xxxxxx now resides at xxxx XXXX XXXX, XXXX, DE XXXX. 

Furthermore, please cease and desist your harassment and erroneous claim of dept in my name or any know alias. 

Very truly yours, XXXX xxx xxx Cc : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XX/XX/2019, I received a notification from my credit monitoring company that Home Depot Credit Card Services reported an over 30 days past due on my credit report. 

On or about XX/XX/2019, I called Home Depot to place both my Home Depot Credit cards on auto-pay, as I was planning on going on an extended military field op. 

The disconnect was that the representative who took my call only put one of the two credit cards on auto-pay. 

I later requested that HomeDepot review the call and to investigate this error further. I asked for HomeDepot to reverse this credit reporting to reflect an accurate representation of creditworthiness. 

After a month, I called Home Depot to get an update about the status of the case. I was told that their investigation concluded that Home Depot was not at fault and that they will not reverse the reporting. I asked if anyone listened to the calls and was told in a very unsympathetic way that Home Depot investigation was final and that there was nothing else I could do. When I asked whether I can speak to the department which investigated my claims, I was told that they do not communicate with customers directly. 

I am not asking Home Depot to remove the +30 days past due as some favor ; I am asking for them to remove it because it is inaccurate and because it is the right thing to do. 

I have 3 credit cards with home depot : two of mine and one of my wife. We maintain active balances and have NEVER been late on any of our payments.

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 2019-12-17 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: TX

Complaint narrative:
sent affidavit and ftc to experian and XXXX of the inaccuracy fcra bill that never received of the rate and fcra violation of the payments never been late

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 2019-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: MD

Complaint narrative:
The credit card company discover filed a law suit against me for XXXX on a time barred debt. I live in Maryland where the statue of limitations is 3 years the account closed on XX/XX/XXXX law suit was filed XX/XX/XXXX. I called them to try to make a deal to avoid court but by doing this It violated my rights by reinstating the old debt because it is illegal to file a law suit on a time barred debt ( I did not know this at the time ). The company discover broke the law to get me to contact them about the time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NJ

Complaint narrative:
XXXX XXXX, XXXX Dovenmuehle fraudulently purchased home insurance on my property and is forcing me to buy home insurance. My LTV is at 45 % .Due to the fact my loan was sold to XXXX XXXX shortly after obtaining mortgage in XX/XX/2016 I am not required to carry private home insurance when LTV is at 80 % or less. 

The extortion, fraud and harrassment need to stop now!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: WI

Complaint narrative:
I deposited a check, via mobile deposit, for {$120.00}. The deposit was accepted, no issues. The amount was later posted successfully to the account. I retained the check for two months before shredding. The TCF Digital Banking Agreement states that you must retain the check for either thirty days ( which I did ) OR until the funds post to your account ( which I did ). I met both criteria.

Three months after the deposit date I received a letter in the mail from TCF, stating that there was an issue with the check image and therefore the {$120.00} had been removed from the account. This was the first and only communication from TCF regarding this issue. I have called TCF multiple times and visited a branch in-person multiple times, and no one has resolved this. I had a TCF branch employee submit a formal complaint via TCF 's internal system, and was told that TCF would be required to call me regarding the complaint. TCF never called. The only " solution '' that TCF proposes, is to " redeposit the check. '' As I no longer have the check to redeposit, my not-for-profit volunteer organization is simply out the {$120.00}.

As outlined above, I followed the TCF Digital Banking Agreement regarding how long to retain the check. TCF is in violation of their own Agreement, and accordingly this incident is properly characterized as theft.

-- -- Separate Incident/Complaint -- -- I received a new debit card in the mail from TCF, at my home address. However,  the debit card was issued to a different person ( " XXXX '' ). XXXX was the previous treasurer of said not-for-profit volunteer, and I am the current treasurer. Over two years ago, XXXX, myself, and the club 's president went in-person to TCF bank ( the XXXX, WI location ), filled out the necessary paperwork to have XXXX removed from the two TCF bank accounts, and were told by the TCF banker that XXXX would be properly removed. When I brought in the newly-issued debit card to a TCF location, I was informed that XXXX was still on both of the club accounts. I was also read a list, by the banker, of people on the TCF accounts : myself ( XXXX ), XXXX, and XXXX. 

On XX/XX/2019 I was told by a different TCF banker that one of the accounts had yet ANOTHER person listed as an authorized user : XXXX. Again, we were not aware until that moment, that TWO individuals were improperly listed as authorized users. It is completely unacceptable to have a bank unreliably remove users from accounts. What happened to the paperwork we filled out and submitted? What employee failed to do their job? What process went wrong?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH calls me, and when I answer the telephone, they hang up the phone. Or Ill answer and repeatedly say hello, then theyll hang up. 

Yet they have hour ( s ) long hold times when you call them for assistance. They refer you to reps who dont answer and their voicemail is full. 

PHH is only interested in charging fees and foreclosing. Theyre not interested in communicating or helping their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's not my account, i never applied for it. I believe that somebody used my personal information and applied for this company.

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 2019-12-17 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: FL

Complaint narrative:
It's not my account, i never applied for it. I believe that somebody used my personal information and applied for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: TX

Complaint narrative:
sent affidavit and ftc to XXXX and XXXX of the inaccuracy fcra bill that never received of the rate and fcra violation of the payments never been late

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 2019-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
On Friday XX/XX/XXXX at XXXX XXXX  I signed to sell my house. The buyers signed at XXXX. The money was then immediately wired to LoanCare/XXXX for payment. I checked my mortgage account Friday, no change. I checked it Monday the XXXX, no change. On Monday, I got my share of the proceeds wired to MY bank account so I knew they had been sent. I checked it Tuesday the XXXX ( FOUR days after they were wired the funds ), no change. On Tuesday LoanCare called to tell me my payment was late, I had failed to pay, and I now had a late fee. I said, no, this has been paid off. Apparently the payoff department and the payment department don't communicate. I called the title company to assure the money had gone out and it had. The payoff department at Loancare said " oh we see a payment pending but we don't process payments on Friday or on the weekend so it probably won't be in the system until 48 more hours from now and at that point we will determine if it was timely and in the right amount and if we will change your account to remove the late fee and late payment. '' Are you kidding me? That is ridiculous. This company should not even be allowed to be in business. They are the worst company I have ever communicated with. Their website interface is awful. Every time I log in I had to RE-sign up to get estatements. It looks like something leftover from 1996. And apparently many other people have issues with them so I'm not sure why they are even allowed to operate.

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 2019-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: PA

Complaint narrative:
My casewasclosedout, ( case # XXXX ), due to me being hacked which causedmetobe unable to sign into my email address. I am reporting this issue because, I believe that Great Lakes, my new servicer, XXXX are possibly, being compromised or forced by the XXXX XXXX, ( which is currently suppose to be under investigation by " The Borrower Defense Ref.Cancellation DEPT, & Ombudsmen Grp ), for alleged, direct plus loan fraud. I was emailedby " The Borrower Def ... Dept. that any loans reported can be requested to be frozen until investigation is determined. I have requested this & been approved as the email proves that I attached even in the last case # I listed above. Sorry I was unable to get back to you. 
I've requested for Great Lakes Servicing XXXX  to release my consolidation application to my new servicers, XXXX. XXXX reported via mail that Great Lakes did not do so, when they sent the request ; therefore, this canceled my consolidation application. ( I need to have these loans renewed for forbearance or deferment! Please, investigate & order for this to be done, if possible. I have requested this several times on the Great Lakes website, via phones ... Still, nothing. I keep being sent CDs, when only one was requested about my consolidation, about everything but my application being released. 
Great Lakes stated to me via " recorded line '' on phone that they were authorized, ( bullied, it seems like to me ), by XXXX XXXX, to be made to add in direct loans from XXXX XXXX XXXX XXXX XXXX XXXX to my consolidation without my consent. They aren'tallowed tooverride the XXXX XXXX. I have a right to order & change my servicer as well as decide what loans I want to consolidate. 

Thank you Miss 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 2019-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
My concern is that XXXX was able to get directly into my PayPal account and withdrawal funds for a purchase I did want to make without asking for a password or allowing me the opportunity to choose a payment method. 

My concern is I have never authorized XXXX to automatically access my PayPal account, but 'somehow ' this connection was made. It should not have been and I should be entering a password for each transaction I make with PayPal. 

I talked to both XXXX and Pay Pal and they say its my fault and I must have done something to allow it. When I asked how, they did not know. 

I was very frustrated to learn Pay Pal would allow access to my bank and credit card information without my consent ( via a password ) - and that both companies said it was my fault - if I did 'connect them ' it was a shady hidden checkbox somewhere when ordering. 

At Pay Pal I talked to XXXX ID # XXXX and she opened ticket # XXXX, but then told me I needed to go to their website and open another ticket. Grrrrr.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I received a hard credit pull from Pentagon Fed Credit Union. I never applied for a card with them and did not authorize them to pull my credit report.

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 2019-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
ATTENTION FRAUD DEPARTMENT Bank of America fraudulent XXXX transactions I recently had 3 fraudulent XXXX Transactions back to back within minutes of each other from my business checking account on XX/XX/2019. I noticed it right away. I called the BOA fraud department when I noticed the first transaction. While I was on hold I see 2 more transactions happen. I was on hold at XXXX and was disconnected at XXXX when the fraud center closed I called immediately the next day to report the again WHILE THEY WERE STILL PENDING. This time I was able to create a case. I explained to the woman that I did not make these charges. She told me they came from my IP address which was impossible because the computer is not in my or anyone possession at the time of the transactions. The woman assured me I would be refunded. 

I felt the claim was taking a while to resolve. So, 1 called every Monday for a month checking on my case. On the 5th call 5 weeks later they informed me they denied the claim! I was not notified of the denial. 

They suggest I Prove it wasn't me and reopen the case. I asked how do I prove it. I called while the transactions were pending! 

So I attached the print out of the DOOR opening IN and OUT from my alarm system company showing we were not in the store at around XXXX when these transactions took place. The last door closed around XXXX on XX/XX/XXXX when the transactions took place. 

I also informed them I had my information compromised on XXXX, XXXX and many other accounts and reported it to the FTC. 

I resumed calling weekly to check. This time they suggest I go to XXXX to have them prove my computer was compromised. I did ... .XXXX said they have no was of proving it was my ip address on XX/XX/XXXX since ip addresses change. So if they change how can boa confirm it was my computer?! 

I have lost so much money that I most likely wont get refunded. If this had happened on a credit card it would have been resolved in a day.

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