vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did a {$1.00} credit check on Experian. They then took my credit card and started charging me {$24.00} after 7 days based upon the " small print '' on their website with no opt out. 

They are a fraud mongering company. Terrible for a credit check company that then defrauds you. Not even any benefit. 

I got into this mess because of the XXXX breach and placing credit freezes. Experian makes you give them your credit card info to " sign up '' for your free account ... for 7 days ; then they start soaking you. 

They should be recognized as fraudulent, and forced to change their methods. Looking online, I see I'm one of many who believe they've been duped by this " free account '' scam. 

This started in XX/XX/2017, and only now am I realizing it. This, because I had to unlock the freeze, again had to put my card in, and they started charging me again on this new card.

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 2018-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: MN

Complaint narrative:
Williams And Fudge has been repeatedly calling my house asking for my wife 's dead mother, XXXX XXXX, who died 13 years ago. XXXX never even lived here, and this is a fishing expedition. We don't appreciate being called by debt collectors and reminded of a relatives death. 

These people have called 3 times now over several weeks. Most recently at XXXX XXXX CDT on XX/XX/2018. Each time we've told her that her mother died, and the length of time. Yet these calls persist. When asked about what the matter was about, the caller wouldn't tell us. I have a recording of this conversation if necessary. 

This woman died 13 years ago. Give it a rest Williams and Fudge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: GA

Complaint narrative:
I filed chapter XXXX which has been discharged both XXXX  and XXXX have taken history off but Experian has refused to remove the old history.

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 2018-10-24 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: NV

Complaint narrative:
I received a copy of my credit report and I noticed a few hard inquiries that don't belong to me, I immediately contact the companies to let them know those applications are fraudulent. Please remove these fraudulent hard inquiries from my credit report XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX  XX/XX/18

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 2018-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I made a cash payment for {$100.00} to satisfy my minimum payment. On XX/XX/18, I paid {$1400.00}, Lowes updates my account showing payment was received. However its being reported on my credit report as having only {$550.00} available out of {$2000.00}. I spoke with several managers who advised me bcs my account is new, theyll hold my account for 10 days. I never bounced a check or paid late. One manager stated bcs I made a cash payment for {$100.00} and paid {$1400.00}, which was an electronic draft from my credit union. It looks suspicious. I feel like Lowes is discriminating against me. I want my credit available and to be reported I have a XXXX balance with {$2000.00} available in credit. 

XXXX XXXX located in North Carolina

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 2018-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
So Ive been trying to repair my credit I have XXXX helping me. Well I paid {$1.00} to XXXX for my scores and I was looking at ways to improve and there were a few cards with no annual fee it said matched for you based on my score. If I would have known that it was going to decline my application I would have never even tried. It was misleading and I feel that Im trying to fix my credit not make it worse with hard inquiries The XXXX app should not have posted cards to help repair matched based on my scores. Can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I made a large deposit with the teller ( 03 ) at my PNC Branch ( XXXX ) on XX/XX/XXXX at XXXX. I also requested a new ATM/Debit card because my existing card had a degraded magnetic stripe. I gave my old card to the teller and was told it was deactivated. The teller then told me she was unable to provide me with a new card, and that it would take 7-10 business days to be mailed to me. This leaves me without electronic access to my account until next month. I use this debit card to pay my monthly bills, buy my groceries, buy gasoline, and order dog food off XXXX. I do not feel safe carrying large amounts of cash. The teller offered no recourse and was dismissive of the disruption this will cause me. Furthermore, the funds from the {$10000.00} deposit I just made are unavailable until the checks clear, so I can not just close this account and go to a different bank that is able to offer me a working debit card. I have been a PNC customer since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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:
XX/XX/2018 Pursuant to a dispute of the date of a Chapter XXXX bankruptcy filing, Experian declared they contacted the company reporting the information an ( unnamed source ) verified the information. 

Pursuant to FCRA, Section 609 a ( 2 ) I am requesting written proof of the verification of the Chapter XXXX bankruptcy if this is not provided the bankruptcy must be deleted. Pursuant to FCRA, this information must be provided within 15 calendar days, if Experian does not, it is a violation of the FCRA and the entry must be deleted.

Pursuant to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of the reinvestigation. I am requesting a written description of the procedure used to determine the accuracy and completeness of the information provided to EXPERIAN, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

It is without dispute FCRA requires the furnisher of the information must ( in
this circumstance ) be directly from the UNITED STATES BANKRUPTCY COURT XXXX  DISTRICT OF FLORIDA, not a third-party agency to verify disputed information.

Attached is the investigation results of the Experian report and a copy of this document. 

Regards, Mr. 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 2018-10-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am DEMANDING an alleged account ending in XXXX be canceled and closed immediately. The above account was created in error originating from an XXXX XXXX, XXXX. Any possibility of seeking financing was never desired, never offered, nor discussed. Per FCRA 623, you may NOT willingly report on my consumer credit profile ANY information you know to be false. My financial status is self-evident in that I have never needed financing for merely a {$3600.00} carpet installation. At this time the {$3600.00} has already been paid in full directly to 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 2018-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Debit cards Checking account They are unable to open a checking account for a military family Due to wrong information reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I received a letter from Radius Global Solutions LLC ( collection agency ) on XX/XX/XXXX stating that I owed XXXX XXXX, XXXX {$300.00} for an account ending in XXXX. I have never worked with XXXX XXXX, nor have I ever opened an account with them. The info that I was able to get from Radius Global Solutions is that the account ends in XXXX, and it was opened on XX/XX/XXXX and closed on XX/XX/XXXX. XXXX XXXX is not FDIC insured. I have requested a dispute through Radius Global. I have run a credit report and XXXX XXXX  shows up as under " soft inquiries '' on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX they would only help me if I gave them my SSN. I was not willing to do that since I have never done business with them. I wasn't sure about their credentials. 

XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO.
State: NV

Complaint narrative:
I co signed for my mother so she can get a car with Ford Motor Credit Company, eventually she lost the car because she stop making payments. Ford took the car and sold it but never contact me about the car, I was willing to keep paying the car but Ford never call me or send me a letter notifying me of what was going on with the car.They send me a letter after they sold the car but never before. I'm very upset I called them asking why they never called me to ask me if I was interested in continuing making payments for this car, they told me the car was sold and hang up the phone. This is affecting my credit and I don't think this is fair, you guys never count with me to sold the car even though I had my rights because I was the co signer, that was a violation of the law. I want you guys to remove the loan from my credit report otherwise I will take legal actions against Ford Motor Credit Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
While in active bankruptcy in XX/XX/XXXX, Nationstar offered us a loan modification that was fraught with problems. We had been in a " predatory, '' adjustable rate mortgage. 

To start with, we didn't receive the offer until the day it was proposed to start, XX/XX/XXXX. 

There were many, repeated inconsistencies and instances of contradictory information involved with the offer, including whether the payments would be interest-only, or principal and interest. Over the next many months, I attempted to verify what the exact terms would be, including start date, payment amount and to where payments should be sent. 

These terms were not clearly defined until the court filings began to discharge the BK in XX/XX/XXXX. In the filing, Nationstar listed the terms as 2 % interest, principal & interest monthly payments of {$750.00} over 262 months, with remaining balance due thereafter. The filed exhibit is attached. 

The discharge was approved by the court in XX/XX/XXXX. 

Since then, Nationstar has filed a motion to reopen our BK case, in order to change the terms from what they have termed a clerical error. The terms listed with the court were delivered to us many times since the original loan mod proposal, both vocally and in writing. 

Nationstar is claiming an arrears we owe, and that amount has never been sufficiently explained to us. In addition to uncollected mortgage payments ( some were returned ),  they claim " legal fees '' and inspection fees, none of which have been clearly revealed. 

In addition, Nationstar is basing the arrears on the pre-loan mod adjustable rate mortgage, not the lower modified payment amounts. Since XX/XX/XXXX, the past due amount has doubled with little or no justification. 

A claim Nationstar has made is that since we defaulted on the XX/XX/XXXX modification by being one month delinquent, the loan mod is void. However, that agreement originally set to start XX/XX/XXXX, wasn't fully executed and delivered until XX/XX/XXXX, leaving us no chance to make a payment in time. 

Further, prior to the full execution of the loan mod, I was told on more than XXXXne occasion that the start date would be pushed a month or two or more ahead. 

We have filed an opposition to Nationstar reopening the BK case to change the terms of the XX/XX/XXXX modification. A trustee sale date of XX/XX/XXXX is on hold, pending a new loan mod application. However, any mod offers since XX/XX/XXXX have offered little to no savings at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My Chase bank account was hacks, and money was transfer to another account without my authorization. The first time was XXXX , and then XXXX . Total of XXXX . I called Chase but they refused to help, and said there is nothing they can do. I also look up where the money was going and called them to ask for the refunds, the money going to XXXX XXXX, some Indians people with heavily XXXX accents trying to speak English, and keep asking for more money for them to refund the money back. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX ( collection agency ) on XX/XX/XXXX stating that I owed XXXX XXXX, XXXX {$300.00} for an account ending in XXXX. I have never worked with TD Bank, nor have I ever opened an account with them. The info that I was able to get from XXXX XXXX XXXX  is that the account ends in XXXX, and it was opened on XX/XX/XXXX and closed on XX/XX/XXXX. TD Bank is not FDIC insured. I have requested a dispute through XXXX XXXX. I have run a credit report and TD Bank shows up as under " soft inquiries '' on XX/XX/XXXX. I called TD Bank on XX/XX/XXXX they would only help me if I gave them my SSN. I was not willing to do that since I have never done business with them. I wasn't sure about their credentials. 

TD Bank : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XX/XX/XXXX and in XX/XX/XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies XXXX, Transunion and XXXX. Any question can call XXXX XXXX XXXX at any time. More than a year ago you made the complaint by phone with the case number XXXX and I have not received a reply.

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 2018-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My Mortgage servicing company is Mr Cooper of XXXX Texas. And for the last 5 years, I have been paying them via a direct payment online on a timely basis. All of a sadden, Mr Cooper claims they've not received the last two payments for the month of XX/XX/XXXX and XX/XX/XXXX and started harassing me. I contacted my bank and produced a receipt of the transaction and emailed a copy to the Mr Copper more than once. My mortgage still shows delinquent. I contacted Mr Cooper several times and the issue has not yet resolved. I am concerned that they are really not trying to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
I have two issues. I wasnt sure which on to pick. I am the co-signer of a siblings car as of XX/XX/2016. We with through a car lot XXXX XXXX or XXXX XXXX in XXXX NC. 
The lender is XXXX XXXX who has sold 3 times and now loan is under First Tennessee Bank 1st thing I was misled. They ensured me that I would be dropped from the car loan after six months. They even read a part of the paperwork in a misleading way as though it wouldnt matter about her payment history which I have consulted with credit advisors and they were lying to get the sale they lied about the process of being dropped off the loan just to get the sale. They are located on XXXX in XXXX # XXXX I reached out to the creditors with a good will letter over 3-5 different letters and emails trying to explain why my sister would have been late on payments. She deals with bipolar and sometimes everyday life becomes a task where it affects her work and she may lose employment. The letters go to no avail no one either reaches out to me or contacts me back or they email with hopes of getting back to me and never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, My name is XXXX XXXX, I recently applied to your CITI PREMIER credit card, I activated and registed on my online account, as I wanted to start using it to take advantage of the benefits your card offer. 

Unfortunately im having the worst experience possible with your Citibank, I had called several times, around 10, because it seems that my card was block, because your fraud department needs to verify information, and that's okay, I have card with other banks like XXXX or XXXX and I appreciate that. But your representative that unfortunately are not US BASED, it seems that they understand what I say, I know they might be doing their job, but is so frustrating that I can provide all my information, SSN, DOB, Phone, address etc., and they are giving me a hard time, they ask for my phone number, and them they said that they can not verify me with my phone, that I myself verified is correct thru online banking At this point I just wanted to cancel my credit card. but they wont let me. so literally I can not used or closed. is just madness, I really don't understand how one of the major banks in the US, can provide such a bad service, it has been a week, and nobody resolve nothing to me. 

Is truly the worst experience that I had with a bank. I feel discriminated and is frustrated that this bank treat customer like this. 
I hope you can help. 
My contact information is XXXX XXXX XXXX account ending on XXXX. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Synchrony Bank, XXXX Credit Card continues to call me 4-6 times per day. I'm a stage XXXX XXXX patient, have told them this, and have paid over 1/2 of the monthly payment due in the past 2 weeks. I told them I would pay the same on the XX/XX/XXXX when I get SSI monthly payment, and they said they'd note it on my file. They still call every day, to the point of causing me stress. 

I've attached the log of their calls, taken directly from my phone.

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