vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-07-03 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I recently switched direct deposit accounts to my Chase Bank checking account for my paycheck and its set to be processed for the next check. However I had to deposit a paper payroll check in the account before then, for less than {$150.00} and usually the funds are available in a day or two at most. This time, Chase put an 11 calendar day ( 8 business day ) hold on the deposit and provided no reason for this. I sent Chase a secure online message on XX/XX/XXXX, asking for clarification, but they ignored this message entirely. At XXXX XXXX on XX/XX/XXXX I called them as the long holiday weekend was approaching with no payroll funds. I was bounced around on the phone until I finally spoke to their fraud detection department whose rep could provide no information about the reasons for this delay. I then asked to speak to a more senior level rep and after a long hold spoke to a XXXX person who after looking into the account informed me that Chase considers checks and deposits issued by my employer including payroll checks and deposits to be high risk. She was unable to define this or provide any further information about the ( a ) nature of the risk and ( b ) implications for future checks and direct deposits. When I asked - she just hung up. 

I need to pass this information on to my employers finance team, but Chase ( as XXXX the Fraud team supervisor indicated when she hung up ) appears to be unwilling to provide any information about the reasons these funds are considered high risk by Chase Bank and what delays I can expect if I agree to allow direct deposits to be sent to my Chase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX Excessive phone calls this company is incredibly obnoxious. Excessive calls make people angry it does not make them want to at all communicate with these people. I do not want them calling me ever again. They call in the early morning while I am in class, and at dinner time. 

XXXX XXXX XXXX XXXX X 2 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I was contacted to apply for a XXXX FHA Mortgage by my current mortgage holder. After getting the approval I let them know I was going to shop the rate and I did. I found another company who was offering me the same mortgage program for .75 % lower rate. I also let them know I was going to shop that rate back to the original loan originator and they said that wasn't a problem. Fast forward a few weeks and due to the original loan originators unwillingness or inability to match or come close to the same rate I decided to go with the second company but let them ( the original ) know if things went sideways with the second i'd come back for theirs. 

I was told by the original company they were going to close my file down regardless and I asked them not to. There were no further communications from me to them, or them to me. The second company filed for a release of the FHA Case number on Monday XX/XX/2019. Later that day I got an email from the original loan originator asking for additional information from me which I provided. I figured they were positioning themselves in the event something went south with the second company. The FHA guidelines indicate a 3 day grace period to release the case as I was already clear to close once the second company got the case number. 

Today, Wednesday XX/XX/2019 at XXXX this morning I received a call for the original company and was asked if I wanted to release the FHA case file to the second due to a refinance. I said yes. About 10 minutes later I received a call from the original company which I was unable to accept. An hour and I hear from the loan coordinator at the second company indicating i'm still clear to close ; however, the original company still hasn't released the FHA case file. I sent an email to the original company demanding the release, and after a series of unprofessional emails ( which I have retained ) from them denying any responsibility and in effect taking no responsibility for the failure of them to perform under FHA guidelines due to internal processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: KY

Complaint narrative:
Mailed a dispute letter ( certified mail ) to credit bureau disputing some unauthorized hard inquiries on my report. After 30 days did not receive and update about the dispute. I contacted the credit bureau by phone to ask of a reason why dispute was ignored. I was told hard inquires are not disputable. FCRA states ANY inaccurate item on a credit report is disputable. Company did not want to help me any way except stating I could mail a letter again. Note* I included 2 forms of identification with the letter for them to be able to locate my credit file.

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 2019-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My mortgage contract provides for termination of PMI at such time as the loan balance decreases to 80 % of the original value. I started last fall trying to have the PMI cancelled. They told me I the loan didn't qualify for cancellation of PMI since the balance hadn't reached 80 %. I finally contacting Shellpoint again in XX/XX/1019 to request the PMI cancellation. I received a letter dated XX/XX/2019 stating that as of the date of the letter, the loan balance had fallen to 77.14 % .of the original balance. So they scheduled an appraisal which was finally completed some three weeks ago and the appraisal stated the property had substantially increased in value. So All necessary things on my part have been long completed yet they keep telling my the PMI cancellation is " pending '', whatever that means. I am frustrated beyond tolerable. The customer serviced people have lied to me. When I call they say " we just got this request '' which they have had for months. They won't let you talk to a supervison, saying they don't have supervisors on demand. I ask about the status and they say they can notify " loan servicing '' but they can't call them while I am on the phone. I have emailed loan servicing and the only response is a letter via regular mail days later. This company is the most incompetent, unresponsive and unmotivated collection of pitiful people I have even run across in my life. This company is basically stealing about {$95.00} a month from me. Despite months of trying to get the PMI cancelled, and I clearly qualify to have it cancelled, I still have no idea when of if it will happen. I am contacting the Georgia Dept. of  Consumer Affairs as soon as I finish this report. I will recommend that this company be banned from doing business in Georgia. I am also pursuing legal action as this company owes me the PMI charges they have been making to my account due to their failure to act in a responsible and timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: GA

Complaint narrative:
I went to my bank to get a home loan and and the lady at the bank told me I was not approved. At that time I wasn't sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I don't know where they came from please remove them as well XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX AF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX . I have reached out to the FTC and my local police and I am doing this on my own behalf.

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 2019-07-03 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: GA

Complaint narrative:
I went to my bank to get a home loan and and the lady at the bank told me I was not approved. At that time I wasn't sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I don't know where they came from please remove them as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I have reached out to the FTC and my local police and I am doing this on my own behalf.

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 2019-07-03 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: KY

Complaint narrative:
I mailed a letter to credit bureau disputing some unauthorized hard inquiries on my credit report. After 30 days did not get a response about the investigation. Contacted credit bureau and spoke with the dispute department. They informed me stating that hard inquiries are not disputable. FCRA states any inaccurate items on a credit report must be verified. Company refuses to investigate items.

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 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We submitted Settlement checks from our Insurance claim to OCWEN LOAN SERVICING for endorsement so we can start the process of repairs to our property. 
two checks were sent via XXXX  overnight Tracking # XXXX on XX/XX/2019. 
Checks were received by XXXX on XX/XX/2019. 
Check amount were {$10000.00} and {$150000.00}. 
OCWEN LOAN SERVICING has been uncooperative and have either refused to help or have been unprofessional. 
Our property is severely damaged and is in desperate need of repairs, property is located in south Florida. it rains everyday damaging the property more as every day passes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING purchased an acct from XXXX XXXX XXXX  acct # XXXX on XX/XX/17 listed on my credit report as a c/o for {$360.00} However, the XXXX XXXX XXXX  acct was paid in full via money order for the balance {$300.00}. That money order was cashed on XX/XX/17 by XXXX XXXX XXXX  and charged off in error. The original creditor XXXX XXXX XXXX   deleted all reportings from all 3 credit bureaus due to the acct being c/o in error. Despite the original creditor rectifying the situation, LVNV Funding is still reporting this debt as owed and valid although it was illegally sold to them. They are also conatcting me repeatedly attempting to collect on a debt that was paid in full and removed from my credit report from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
This happen in XXXX, 2018 not sure what day but I got charged {$260.00} on my debit card, dont know who did it but I called XXXX they couldnt help me so I called my bank and tried cancelled the payment and I replaced my debit card for security reasons, chase refunded me the money but now the 3rd party is trying to charge me ...

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 2019-07-03 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: NJ

Complaint narrative:
I have several information on my accounts that don't belong to me. its weird how a credit bureau adds information to your reports XXXX XXXX XXXX XXXX paid on XXXX but not on XXXX and transunion. I don't understand how this is effecting my credit my life. 
XXXX XXXX XXXX XXXX samething please remove this from my report. 
these acconts are not mines and appear to be old and belong to someone else please remove asap. im buying ahome and its not fair godbless XXXX XXXX XXXX  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 2019-07-03 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: NJ

Complaint narrative:
I have several information on my accounts that don't belong to me. its weird how a credit bureau adds information to your reports bank XXXX XXXX XXXX paid on XXXX   but not on Equifax and XXXX. I don't understand how this is effecting my credit my life. 
XXXX XXXX XXXX  XXXX samething please remove this from my report. 
these acconts are not mines and appear to be old and belong to someone else please remove asap. im buying ahome and its not fair XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.

Complaint narrative:
Commenity Bank repeatedly calls me from different numbers for a XXXX XXXX. I have told them I am not XXXX XXXX, I do not know a XXXX XXXX, and to please stop calling me. They just keep calling daily even after I block their numbers they've called from. They just use new ones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ZARVAD III S.A.
State: IL

Complaint narrative:
I took out a payday loan for {$480.00}. I paid {$300.00} back right away and my hours got cut. They said I owed {$620.00} still ( after a week ). I revoked my ACH and have not paid anything since. They told me they will report me to XXXX for my returned check. I never sent a check.They told me they would send me to collections and charge me 35 % more than what I owe. I don't even have a copy of my signed loan contract. Just a contract with my name and no signature. I have requested one and haven't ' received one. They have not even tried to work out a EPP which is also a WI law. Of all the things below they haven't done any of them, they are violating law. See below ... .... 

State Guide to Payday Loan the document contains information on payday loans. It is prepared by the state of Wisconsin to inform buyers about the nature of the loans. 
Repayment plan offers the lenders are required to present repayment plan offer to the borrower in case of a default of the loan amount. The state of Wisconsin allows repayment of the loan amount in 4-equal installments with no additional costs. The limit for one payment plan offer is 12 months. 
Keep in mind that the state of Wisconsin has put a collection fee limit of {$15.00} per check. The state rules dont allow the lenders to take criminal action against the persons that default on the loan. If you have any complaint against a payday loan lender, you can contact the Wisconsin Department of Financial Institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benjamin Chaise & Associates
State: CO

Complaint narrative:
This lady XXXX XXXX keeps calling me. She has the wrong name and says she's with Benjamin Chase and associates a debt collection agency. I owe absolutely no debt. This is probably a scam. I would like this company to stop calling me. I can't block them because they use a private number. Please help thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I received an alert from XXXX  alerting me my credit was pulled by XXXX XXXX XXXX. I did not recognize this and I called XXXX XXXX XXXX at XXXX ( XXXX ) XXXX. I was told my credit was pulled by XXXX XXXX at First Home Mortgage and I have to contact this company to dispute the inquiry. I do not even recognize the name XXXX XXXX, nor I have authorized an " XXXX '' or First Home to obtain my credit report. I have not even spoken to anyone at First Home. I performed a search on XXXX " XXXX XXXX First Home '' and found his email on the website at https : //firsthome.com/XXXX. I sent an email to him ( attached ) though I have not heard back as of making this complaint. I attempted to dispute this via XXXX but I do not see a way to dispute Hard Inquiries. I did work with XXXX XXXX at First Home back in XX/XX/XXXX when I purchased my home, and my credit report was pulled then, but I have not authorized First Home nor anyone employed by First Home to pull my credit since XX/XX/XXXX. I did reach out to XXXX via E-Mail in XXXX XXXX about refinancing, but I never heard back from him and I proceeded with another lender. I am now in the process of refinancing my home with XXXX XXXX  / XXXX XXXX and I close in a little over two weeks. It may appear to the bank/lender I am actively shopping for credit, which is not the case. This inquiry by First Home is unauthorized and as far as I know, a violation of the CFPB. It could hurt or lower my credit score and potentially impact or raise red flags as I get closer to settlement. This is absolutely frustrating. Please assist as I do not know how else to get this removed from my credit report.

Company response to consumer: Closed with explanation