vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Peerless Credit Services Inc
State: PA

Complaint narrative:
Peerless Credit called my direct line at work 4-5 times. The first call I chose not to identify myself and he mentioned he would call back. I was not at my desk for all of his call attempts, prior and post speaking with him. When I took his ( assuming ) last call for today, I asked him to identify the nature of which he was calling. He mentioned it was personal and I told him we were not permitted to take personal calls at work. He informed me he spoke to someone earlier ( me ) and that they said it was okay. I told him I was under no obligation to identify myself to him while at work, and that he was not permitted to contact me during work hours and could call my personal phone number. He then told me he would be telling the debt originator that I was refusing to pay, among other things. I told him that I never said I refused to pay, rather that I didn't want to be contacted on my work line and that he was not authorized to call me on that number. I asked if the calls were recorded because that would serve as proof that I never refused anything, and tried to offer an alternate contact number. He continued to raise his voice and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On or about XX/XX/XXXX, I initiated a balance transfer for {$5000.00} from a XXXX credit card to American Express. I was told it would take 3 to 5 days. On XX/XX/XXXX, I called for status and was told there was a technical problem and it would be 3 to 5 more days. I called XX/XX/XXXX and there is no information available on status and was told it could be six weeks. I told them after all this time I wanted to cancel the transaction ( it is not being processed at this time ). They told me there is no possible way to do this. I asked if I could cancel my card and they said this would not cancel the balance transfer. 

I have excellent credit and would like to switch to a different card where the customer service people knew what they were doing. Nowhere in the agreement does it say a balance transfer can not be stopped, or that it will take an unspecified amount of time to accomplish the transfer. If they are unable to do the {$5000.00} balance transfer, I have no further use for this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.

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 2019-03-19 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 have been contacting Experian for over a year trying to get them tp update my credit report to accurately reflect my bankruptcy discharge. I have attached my discharge papers directly from the Federal Bankruptcy Court. Experian has refused to update the following accounts : 1. XXXX XXXX ( all accounts ) 2. XXXX ( all accounts ) 3. XXXX XXXX XXXX act # XXXX 4. XXXX XXXX XXXX act # XXXX 5. XXXX XXXX XXXX XXXX XXXX act # XXXX 6. XXXX XXXX XXXX XXXX act # XXXX THESE ACCOUNTS WERE DISCHARGED IN CHAPTER XXXX BANKRUPTCY AND PROOF HAS BEEN PROVIDED MULTIPLE TIMES. EXPERIAN PURPOSELY AND NEGLIGENTLY REFUSES TO UPDATE THESE ACCOUNTS ACCURATELY CAUSING ME TO SUFFER EXTREME HARDSHIP AND BLOCKING MY ABILITY TO GAIN EMPLOYMENT AND SHELTER ( A HOME ) FOR MYSELF AND MY CHILD. Please please please MAKE THEM COMPLY TO THE LAW. My next step is a lawsuit because I have exhausted every possibility to getting them to correct this information. I have contacted the creditors directly and all have verified that they received notice of discharge. 

PLEASE HELP!! VERY URGENT!!!

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 2019-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We remodeled our home in 2015 and added approximately 1500 square feet which increased our property taxes. We were trying to resolve the amount with the Assessors office and Mr. Cooper started collecting money in an escrow account to pay the past due property taxes. They paid some of our property taxes, but their statement of payments does not reconcile with the XXXX County Treasurer and Tax Collector 's records. Now they are attempting to charge us more than double the original mortgage payment. According to Mr. Cooper it is to repay an amount of property taxes that they can not provide proof of and to compound for future property taxes. When I try to call them to resolve this issue or ask questions about the amounts, Mr. Cooper escrow department hangs up on us. We have tried more than several times to discuss this with Mr. Cooper and resolve the issues. In the interim we have resolved all issues with the XXXX County Treasurer and have paid receipts that are shown on the XXXX County Treasurer and Tax Collector website. We have emailed the paperwork to the address given but can not get a response. We have not been able to speak with anyone at Mr. Cooper to resolve this. Please see attached paperwork for amounts and receipts and thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
I have a student loan that has gone to a collection agency and they have been repeatedly calling me at work after I have told them repeatedly not to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Billing amount is not accurate - Correct amount XXXX Billing date is not accurate - Correct date XX/XX/18 Incorrect account # - Account number ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: GMA Investments, LLC
State: NE

Complaint narrative:
There are repeated calls made from different phone numbers. I have tried to set up payment that are affordable but they refuse to work with me they want a bank account, or credit card which we don't have. they are contacting our place of employment and telling them that it is a legal matter and they are harassing them also which I have advise them that we can lose our jobs because of the calls they continue to do. the rep is always threatening legal action wont tell us anything blames everything on us will not work with us and is then telling us just before he hangs up good luck then. every time we talk to this rep he threatens us with legal action and will not setup any sort of payment arrangement. then the last voicemail I received was something about an nsf check I am not sure what that is but again he threaten to take me to court. there are to many dates to put in here they call all day every day and you can not block any of the numbers because they use different XXXX numbers to call us I only have a XXXX number to call back

Company response to consumer: Untimely response
Consumer complaint received 2019-03-19 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: Self Lender Inc
State: NY

Complaint narrative:
I have an issue with XXXX and XXXX reporting. XXXX bank deleted an account off my credit report but it still shows on both XXXX and XXXX. XXXX XXXX is reporting different information to all the bureaus. Which is against FCRA. XXXX is suppose to be investigating this information but it doesnt seem like they are. Also my FICO scores are 200 points less than XXXX and 100 points less than XXXX. Something on XXXX  side isnt reporting correctly. XXXX has 15 inquiries on my credit report that was unauthorized. I have not seek any credit from no company. Why was one paid account deleted from XXXX  but not the other two. Its making my credit look completely off. I need XXXX and XXXX explain why both FICO scores are so off from XXXX. If not corrected in a timely matter i would have to seek an attorney because this is causing me to lose my mortgage loan.

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 explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: VA

Complaint narrative:
This complaint follows two previous complaints XXXX and XXXX. 
Please incorporate those complaints into this complaint. The company AAG continues its practice of false statements to appease complaints file against AAG. 

See my attachments below for more detail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: TX

Complaint narrative:
On XX/XX/2019 two affidavits were sent to Experian. 

In these affidavits, a dispute stating only facts were sent to be answered or corrected. 

USPS Certifed mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recieved XX/XX/2019 ***attached copies of affidavits*** Experian has sent a none affidavit letter saying it would not investigate. This isnt really my problem. I am sending this complaint as intent to sue Experian when the 30 days are up from the date these affidavits were recieved. Even though this is a FCRA violation of non compliance. Experian was told about missing incomplete information. Experian choose not to investigate. This is willful non compliance. 

*** letter will be attached*** Regardless of what Experian has sent, they are not in default until XX/XX/ 2019 and this complaint serves as my intent to sue if corrections are not made by the default date. Any and all actions by Experian are being documented and can and will be used against them in court.

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 2019-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
In XX/XX/2018 I signed documents to Village Capital & Investments to refinance my home loan to 4.6 %. They informed me that I could get any money because I had not been in my property long enough but they could reduce my interest rate and I would have a 2 month break because my payment would be due in XX/XX/XXXX. Which I agreed t but it ended up them not following through and I had to file lost litigation and is still trying to catch up with my payment. Now I also have this on my credit, and they still have not tried to correct what has happened to me. I tried my times to call them but they have not responded also my lender called them and asked to speak with the owner of the business and no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: I-NET, INC.
State: MD

Complaint narrative:
Obtained a loan from INET Inc, XXXX XXXX, XXXX XXXX Funding Supervisor Title Supervisor iNet Inc. 

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ph ( XXXX ) XXXX ext XXXX Fax ( XXXX ) XXXX On XXXX. They were the broker for the loan and put it through to XXXX XXXX. Inet refuses to send me a copy of the original title to the trailer so I can transfer it from XXXX  to XXXX, get it registered, tagged and a lien recorded. They won't return calls, have been stating that they overnighted this document to XXXX MVA on XX/XX/XXXX and then stated again that they overnighted it again on XXXX. They continue to play games, won't return calls nor provide the legal document to close this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or  the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.

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 2019-03-19 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: Rapid Mortgage Company
State: OH

Complaint narrative:
In XX/XX/XXXX, my husband and I, applied for a mortgage through Rapid Mortgage in XXXX OH ( offices in XXXX and other towns too ), but on our report it shows XXXX XXXX. 

That isn't the issue. 

The issue is that in XX/XX/2019, our credit was ran again without our consent. 

The companies ' headquarters in XXXX has the XXXX, OH office delete all of our information, but this unapproved inquiry is still showing. The person in XXXX, OH that ran our credit was XXXX XXXX, and again, this was NOT authorized. 

This man became hostile, rude, and belligerent toward our XXXX XXXX when we ask about this ; and that is when we contacted the main office and asked for him to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Billing amount is not accurate - Correct amount XXXX Billing date is not accurate - Correct date XX/XX/18 Incorrect account # - Account number ending in 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 2019-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
This issue that I am writing the CFPB about concerns a Balance transfer upon opening a revolving line of credit with the financial institution HSBC. 
HSBC supplied checks for the purpose of balance transfers and other purchase options. I filled out a check for a balance transfer on XX/XX/2018. Said check posted to my new HSBC account on XX/XX/XXXX. 
I checked the balance of the account that the check was intended to cover and found that the balance had not yet reflected as paid. I called the institution and inquired as to why my account was not reflecting the XXXX balance as it should and they informed me that they had not received a check. Maybe they had not applied it to the correct account? They requested that I supply a check # and routing info and they would check. 
I contacted HSBC to acquire the information requested of the other financial institution. After more than one call asking for this information I finally received a copy of the check. 

The issue at hand is that after confirming that my previous financial institution did not receive the check, and confirming that the address was indeed correct for the location at which they should have received said check. They admitted that I was the victim of fraud and that I should dispute the transaction. 
Here is the problem that I need direction on. HSBC says that there procedure for this concern is that I am to walk into a Brick and Mortar location and fill out an affidavit and then they will reverse the transaction making me whole again. 
Unfortunately the closest physical branch is in XXXX XXXX California and I live in XXXX XXXX XXXX Utah. 
On multiple occasions I tried to escalate my issue up the management chain to find an optional method for resolution. After speaking with multiple representatives that obviously work in a call center based in another country with very thick accents repeatedly telling me to walk into a branch location and then promptly hanging up on me I am reaching out to the CFPB to get some further assistance with customer service options. 
I even tried to call Physical branch locations to speak with a US based banking representative, Unfortunately all branch locations local U.S. # 's direct you right back to the call center to route or screen your concerns. 

I am now on the hook for {$2500.00} dollars twice. This is not acceptable and I would like a fair resolution outside of obtaining legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: OH

Complaint narrative:
In XX/XX/XXXX, my husband and I, applied for a mortgage through XXXX XXXX in XXXX OH ( offices in XXXX and other towns too ), but on our report it shows XXXX XXXX. 

That isn't the issue. 

The issue is that in XX/XX/XXXX, our credit was ran again without our consent. 

The companies ' headquarters in XXXX has the XXXX, OH office delete all of our information, but this unapproved inquiry is still showing. The person in XXXX, OH that ran our credit was XXXX XXXX, and again, this was NOT authorized. 

This man became hostile, rude, and belligerent toward our XXXX XXXX when we ask about this ; and that is when we contacted the main office and asked for him to stop.

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 2019-03-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In XX/XX/XXXX, my husband and I, applied for a mortgage through XXXX XXXX in XXXX OH ( offices in XXXX and other towns too ), but on our report it shows XXXX XXXX. 

That isn't the issue. 

The issue is that in XXXX of XXXX, our credit was ran again without our consent. 

The companies ' headquarters in XXXX has the XXXX, OH office delete all of our information, but this unapproved inquiry is still showing. The person in XXXX, OH that ran our credit was XXXX XXXX, and again, this was NOT authorized. 

This man became hostile, rude, and belligerent toward our XXXX faith when we ask about this ; and that is when we contacted the main office and asked for him to stop.

Company response to consumer: Closed with explanation