vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX account # XXXX original creditor XXXX claims account opened XX/XX/XXXX this account was not opened by me. I have requested validation of the account & have not received any information from debit company or XXXX ans they are stating the account is is mine. This account just appeared on my credit report all of a sudden it has not been on my report recently & I have several reports to prove it was never reported. This is not my account & needs to be removed from all 3 credit bureaus. 

Portfolio Recovery Assoc paid settlement on account and company does not do day to delete. I gave information to credit bureau and only 1 removed information thus far. I need all 3 credit bureaus to delete the portfolio recovery assoc original creditor XXXX XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX this account is settled. I have a letter from them to provide if needed that states account was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Greystone Alliance LLC
State: NJ

Complaint narrative:
For the past year I have been getting calls as well as family members regarding a loan I never took out.i asked for proof and paperwork to be sent to me on several occasions and still nothing.they keep calling me and family members asked them to stop still continue.XXXX XXXX from greystone and associates leaves message as if he is law office but does not send info.need this to stop.the have nothing when u search them online but complaints of false claims

Company response to consumer: Untimely response
Consumer complaint received 2018-06-05 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: Home Point Financial Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX I was notified by XXXX, my credit monitoring company, that my score had dropped over 100 points due to a delinquent payment. 

Upon looking into my history, the delinquent payment listed was my mortgage for Home Point Financial. It stated that the XX/XX/XXXX payment was over 30 days overdue and had been reported to XXXX. 

I have been trying to contact Home Point Financial since Saturday, XX/XX/XXXX, but they have taken down their customer service lines. I have messaged them on XXXX and not received an answer. I have also emailed them and received no answer. 

They have indicated that there is a problem with reporting and many people were affected. Some people, however, were contacted by email or phone. We received no such contact and can still not reach Home Point Financial. 

This is an egregious breach of trust in a mortgage company sending out damning reports on borrowers financial standing. If we were to not pay our mortgage, we would have to respond to debt collectors and eventually end up in court. Why are these companies not paying any penalty at all for their horrible mistakes?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In XXXX, we worked out a payment plan of {$60.00} for 60 months, with a 0 % interest rate. 

I've made those payments on time, according to the agreement, however Best Buy has supplied incorrect information to all 3 Credit Bureaus, and when I've called to talk about it, I am told it has been corrected. 

As of my XX/XX/XXXX credit report, it has not. Disputes have been filed but this needs to be fixed now. 

I've done exactly what they've asked for.

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 2018-06-05 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: Shellpoint Partners, LLC
State: VT

Complaint narrative:
XXXX XXXX XXXX, I believe on behalf of Shellpoint Mortgage, made a hard credit inquiry on my account without authorization on XX/XX/2018. 
Shellpoint Mortgage currently holds the mortgage on my house, the mortgage was discharged in bankruptcy. The bank was involved in a short sale process at the time the inquiry was made. I am not seeking credit from XXXX XXXX XXXX, Shellpoint Mortage Services, or any other mortgage company. In fact, I had not applied for any credit from any company.

I spoke with the credit reporting bureaus after finding this inquiry had been made, and they told me I had to go back to the company that made the inquiry to get it removed. I contacted Shellpoint, requesting that the hard inquiry be removed, as it should not have been made, and was not authorized. However, I have not received further communication regarding this issue, and the inquiry has not been removed. 
Thank you for your assistance. 


Institution Information XXXX XXXXXXXX XXXX XXXX, NJ XXXX ( 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 2018-06-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
AD ASTRA RECOVERY SERVIC XX/XX/2015 3 yrs, 1 mo {$300.00} I have already filed complaint a denying the debt. The debtor has refused to provide any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I AM XXXX XXXX. BANK OF AMERICA REFUSES SERVICE AT THE BRANCH TO ASSIST ME WITH MY ACCOUNT. I AM NOW TURNED TO THE ONLINE ACCOUNT WHERE I HAVE TO ENTER ACCOUNT NUMBER THAT I DO NOT SEE. THE ONLINE SERVICE HANGS UP REPEATEDLY. 

THERE IS NO ASSISTANCE TO ME, A LEGALLY XXXX PERSON, AS PROVIDED UNDER THE AMERICANS WITH DISABILITIES ACT TITLE 3 EFFECTIVE COMMUNICATION AS WELL AS THE CIVIL RIGHTS ACT OF 1963.

I AM SO FRUSTRATED.

THE BANK OF AMERICA WEBSITE IS NOT COMPLIANT WITH AMERICANS WITH DISABILITIES ACT AS IT DOES NOT PROVIDE A MECHANISM TO BYPASS POP-UP SCREENS AND I HAVE TO LOCATE THE CLOSE BUTTON ; THEIR WEBSITE DOES NOT PROVIDE AN ALTERNATE METHOD OF NAVIGATION TO INCLUDE USE OF THE TAB KEY, OR ALTERNATE BACKGROUND, IMAGES HAVE NO DESCRIPTION TAGS, THERE IS NO WAY TO INCREASE AND DECREASE THE FONT

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 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XXXX, we worked out a payment plan of {$60.00} for 60 months, with a 0 % interest rate. 

I've made those payments on time, according to the agreement, however XXXX XXXX   has supplied incorrect information to all 3 Credit Bureaus, and when I've called to talk about it, I am told it has been corrected. 

As of my XX/XX/XXXX credit report, it has not. Disputes have been filed but this needs to be fixed now. 

I've done exactly what they've asked for.

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 2018-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Select Management Resources, LLC
State: MS

Complaint narrative:
They have been contacting me and relatives and my relatives told them to stop all calls and they still call. I made two payments and lost my job tried to make arrangements with them and they were not trying to work with me. The car was damaged in an accident and the tow truck company refused to give the car back because the person that hit the car did not have insurance and I was unable to get the car out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
Over XXXX XXXX weekend, I traveled to a real estate class in Utah. Upon my return, I attempted to pay a {$30.00} airport parking charge and my BBVA Compass card was declined. Since it had a {$12000.00} credit limit on it and only about {$2000.00} worth of charges on it, I did not understand why. On Tuesday, XX/XX/XXXX, I contacted BBVA Compass who informed me that XXXX provided them with a notification that I was overextended. I'm not. As a result of XXXX XXXX  information, BBVA Compass lowered my credit limit to {$2500.00} leaving me {$11.00} in available credit, which obviously can not pay for a {$30.00} airport parking charge. I invested in real estate training to better my life and now I'm getting chastised for it. I have never been late or contacted any type of credit repair agency to fix anything as there was nothing to be fixed. There still isn't. I am very angry over this unjustified action and I believe there has to be some type of law or something that can keep people like XXXX and/or BBVA Compass from destroying my life. The only equitable solution for me would to be reinstate the credit limit on this card. Anything else is an insult.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had been trying to do a short sale with Wells Fargo for way over a year. I tried one time and they took months to process, this lead the buyer, who had a cash, to pull out after 8 months of trying to close. ALL the documents requested from Wells Fargo were submitted, at times 3 and  4 times. I tried the short sale process again in XXXX. I also had a buyer with a cash off for {$210000.00} ( investor wanted {$210000.00}, but buyer went over and above the asking price to get this deal close ). Cash offer had been on the table since early XX/XX/XXXX, all documents were submitted by my attorney to Wells Fargo. In XXXX, my attorney received notice from Wells Fargo that the loan does not meet the investor 's requirements ( HUD.. my FHA Case # is XXXX ). that they were not entertaining anything but a sheriff sale. I inquired with Wells Fargo for the reasons and they stated that there was no offer on the table and that the short sale process was too close to the sheriff sale date ( which was XX/XX/XXXX ). 
I had questioned the person on the telephone at Wells Fargo as to why the issue of the offer, we have had a cash offer since early XXXX. I inquired if they did not pass this info to the investor and this person say, " whatever you gave us, we gave to them '', but still, the question is why did HUD NOT know of the cash offer for {$210000.00} since early XXXX?? 
The apartment went to be sold at the sheriff sale for {$180000.00}. My concern is the larger deficiency as a result of Wells Fargo NOT doing their work. I will likely be hit with a XXXX for about {$35000.00} and/or be sued for that large deficiency. The {$210000.00} would have covered any deficiency. I would like an investigation to see if Wells Fargo gave the investor the information regarding the cash offer for {$210000.00}. My attorney was extremely upset as he worked so hard on this case and stated that this was the only Short Sale he was not able to complete in many years of doing short sales. Why would someone choose {$180000.00} over {$210000.00} cash? Makes no sense.

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 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Sometime in the middle of XX/XX/XXXX, I, XXXX XXXX, got a letter from Chase, stating that my card was shut down, since they have information that it was lost. I informed my wife that to use different credit cards, because Chase Freedom Card was deactivated. While using other cards, I was waiting to receive a new Chase card, but never got one, which I didnt pay attention to. I just asked to have a transaction approved by XXXX, which was used prior to closure, but charged only when shipped. 
Over a month later, I saw a balance on the card that I have not used in a while and was deactivated, as per Chase Bank. I contacted fraud department and had charges removed. Another month later I received a call from Chase fraud department and told since I have used those merchants in the past they verified my signature and putting back the charges on my card. 
I am pretty sure that I do NOT have split XXXX XXXX and never signed for those charges. I asked a simple request ; please send me the images of the signatures on those receipts. A month later, 7 to 10 phone calls to fraud department, 12-15 phone calls to corporate office, I was told that I have never requested those images. Chase has recording of my conversations, as do I, requesting the images, but they refuse to provide them and stole {$2200.00} from me. 
I would take them to small claim court, but I dont have free time between my job and my family, and I dont want to gift them over $ XXXX Please see the list of transactions below. 

Thank youXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: TN

Complaint narrative:
i went online and call all three major credit bureaus ( XXXX, Experian, and XXXX ) about multiple inquiries on my account that i did not authorize. They refuse to look into or remove these inquiries alot of these were made i believe when i purchased a new car and did not give authorization to pull my credit multiple times. Also Experian refuses to remove an account that is in litigation due to fraudulent charges and damage to personal property with 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 2018-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority
State: NV

Complaint narrative:
XXXX is the most recent loan servicer for our accounts ( 5 ) and took over in XX/XX/XXXX. Prior to that, since XXXX, we were serviced by XXXX, XXXX and XXXX. We have been making on time repayments with no problems until XXXX assumed the liability. We have bank statement proof that the payments are being made. XXXX is misapplying the funds and terrorizing me with threats of ruining my credit ... every month. They do not listen. Eventually they acknowledge the debt is current via email and the very next day the collection calls begin again. 

The problem is THEIR mismanagement of the payments being applied to the accounts. It was never a problem with the prior loan servicing companies. I can not tolerate being threatened every month by this hostile and overly aggressive company when I have BANK STATEMENT PROOF the accounts are being paid as agreed. 

Without YOUR intervention I will be forced to file a civil action to force them to stop. This is nothing short of financial XXXX and I will not tolerate it. 

XXXX XXXX XXXX. Box XXXX XXXX, PA XXXX Details Account # XXXX Accounts pull date XXXX XXXX 1st year XXXX 2nd year XXXX 3rd year XXXX 4th year XXXX 4th year

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX is inaccurately reporting an alledged debt in the amount of XXXX on my credit report ( s ) which is false. 
The alledged creditor under the name ( XXXX ) is also false. XXXX XXXX continues to report this inaccurate, injurious information on my credit report ( s ) and are jeopardizing my credit rating and overall financial status. I sent this company a validation notice in accord with the Fair Debt Collection Practices Act ( FDCPA ) section 809.

This company has failed to provide proper validation which is a serious violation under FDCPA Section 809 in response to my validation request.

I disputed this information with the credit bureau and CCS verified in response to the disputes I submitted. This is a continued collection activity violation and a violation under both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act ( FCRA ) as well. 


I would like to take the opportunity to submit another validation request in the body of this very complaint shown below : " I DISPUTE YOUR CLAIMS IN THEIR ENTIRETY REGARDING THE ALLEDGED ACCOUNT # XXXX ''. 

I want full proper validation or this erroneous account or remove it immediately from my credit report ( s ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: VT

Complaint narrative:
XXXX XXXX XXXX, I believe on behalf of XXXX Mortgage, made a hard credit inquiry on my account without authorization on XX/XX/2018. 
XXXX Mortgage currently holds the mortgage on my house, the mortgage was XXXX in bankruptcy. The bank was involved in a short sale process at the time the inquiry was made. I am not seeking credit from XXXX XXXX XXXX, XXXX XXXX XXXX, or any other mortgage company. In fact, I had not applied for any credit from any company. 
I spoke with the credit reporting bureaus after finding this inquiry had been made, and they told me I had to go back to the company that made the inquiry to get it removed. I contacted XXXX, requesting that the hard inquiry be removed, as it should not have been made, and was not authorized. However, I have not received further communication regarding this issue, and the inquiry has not been removed. 
Thank you for your assistance. 


XXXX XXXX XXXX  XXXX XXXX XXXX, NJ 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 2018-06-05 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: VT

Complaint narrative:
XXXX XXXX XXXX, I believe on behalf of XXXXXXXX XXXX, made a hard credit inquiry on my account without authorization on XX/XX/2018. 
XXXX XXXX XXXXurrently holds the mortgage on my house, the mortgage was discharged in bankruptcy. The bank was involved in a short sale process at the time the inquiry was made. I am not seeking credit from XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, or any other mortgage company. In fact, I had not applied for any credit from any company. 
I spoke with the credit reporting bureaus after finding this inquiry had been made, and they told me I had to go back to the company that made the inquiry to get it removed. I contacted XXXX, requesting that the hard inquiry be removed, as it should not have been made, and was not authorized. However, I have not received further communication regarding this issue, and the inquiry has not been removed. 
Thank you for your assistance. 


XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a business checking account with Chase Bank, and about 20 days ago they've closed our account and promised to send Cheque within 10 days after account closed. In last week, we send some merchant statements to Chase branch Manager and Ive never heard back from anyone yet. 

They holding XXXX USD total and they killing our business down to earth. If i had chance, i would burn XXXX XXXX into XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I disputed a {$290.00} charge from XXXX XXXX with AMEX twice ( Ref Nos : XXXX and XXXX ) but AMEX never understood my questions. Here is the situation : we are XXXX XXXX card holders and we stayed at XXXX XXXX between XX/XX/XXXX to XX/XX/XXXX. Upon checking in, we provided our credit card for possible incidental charges and requested if an upgrade is available. We were given the upgrade and we know, as a benefit of XXXX card owner, the upgrade is free if available. Obviously, it is available. When checking out, no one asked us to sign any credit card slip. We found out later we were charged {$290.00} for the requested upgrade so we disputed the charge. So far, no one from AMEX even address our real concerns : 1 ) why were we charged for the available upgrade when it is part of the benefit ; and 2 ) we never authorized such charges and we never signed the credit card slip for this charge. I am hoping to get some answers since in those two disputes I mentioned, XXXX XXXX simply presented some internal record and a copy of UNSIGNED credit card slip. I hope AMEX can finally understand my questions and address them directly.

Company response to consumer: Closed with monetary relief