vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Dear Servicer I appreciate you assisting with matter. The matter remains unresolved. My tax payments being paid contract by XXXX continue to be applied to another party claiming ownership to my home. My concerns are third party continue to use my property tax statement and payments to claim ownership. As well as block refinance and title insurance to sale/buyer - options. At this time I want to keep my home. I may have no choose but to sale with constant abuse of my rights. The third party does not appear on title record as owner at no time. You have previously provided letter to confirm ownership in my name. Here is the latest email from XXXX  below ; Consumer Reported Issue : Incorrect owner for XXXX XXXX XXXX XXXX, XXXX XXXX, CA ( XXXX XXXX ) Hello XXXX XXXX, In an effort to assist you with resolving this matter I reached out to XXXX Dept of Consumer Affairs or XXXXDCA on XX/XX/XXXX and was referred to the Assessors Office / Ownership department. I spoke to XXXX in that department. XXXX confirmed the assessor record is accurately reflected as it was delivered to XXXX with the owner name of XXXX XXXX XXXX for property record XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. 

This information can only be changed by the county assessor within their property data records with the proper supporting ownership documentation. Therefore, I must suggest again that you please contact the county going forward to resolve any issue you may have with the source property records data that XXXX obtains from the county. XXXX has no authority to change the data. The contact information I used to confirm this information with the county assessor is : Assessor XXXX for English press XXXX, then press Option XXXX > Ownership. ( you will need your assessor identification number XXXX ) For your reference, the XXXXDCA, XXXX XXXX County Dept of Consumer Affairs phone number is XXXX. 

I sincerely hope this information helps, Thank you, XXXX XXXX XXXX Associate, Data Research & Resolution Enterprise Data Operations XXXX   Since XXXX I have worked with XXXX to correct record multiple times - the realist report etc after the legal team investigated title records. However this time I made the mistake by disclosing whom was assuring me at XXXX. Now XXXX claims tax accessors controls whom owns property - she stated to me directly XXXX  has corrected record multiple times and are not sure what to do. XXXX  currenlty holds the contract to pay my taxes - my question to XXXX whom is XXXX paying taxes on behalf of. The XXXX  title records reflects me as owner and third party as owner. 

The tax records are being used to STEAL my home. I have tried to resolve and have resolved some challenges except tax records. The tax record challenges continue to cause hardship in finances to name a few.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Credit reporting agencies are preventing me from obtaining any credit whatsoever by not furnishing an accurate credit score. With this, I can not build a credit history. XXXX for example, when I go onto their site, check my score and they show can not be shown. However when I go to the score tracking they have it shows a score XXXX as of XXXX XXXX shows me to have a score of XXXX ( via XXXX XXXX ) and XXXX a score of XXXX. I do have a credit monitoring service and all my reports are good to exceptional with the exception of History. Yet, these agencies are not accurately showing lenders my score. These Hard Inquiries are hitting my credit report in a very negative way. I got a pre-approved credit card offer with a credit line of {$500.00}. Good to start with, so after I gave them all my information, they DENIED ME because of the misinformation XXXX provided them. After reviewing my reports, there is absolutely no reason for denial. So this is an unfair practice. And with all these Hard Inquiries, it looks bad on my report and furthers the denial decisions! I told them to take them off, and they refused. Companies like this has a very adverse effect. I apply for a loan or a credit card knowing I have the funds to pay off AND Sill I'm denied. This is totally unfair! Also, XXXX made a grave error by giving XXXX XXXX my score as being XXXX instead of the XXXX in which I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've tried to contact them. All they do is try to sell products to me. No other credit people have done this. They won't answer the phone and they already had a breach. My credit report is so different since then. They aren't cooperating. I have a really good score with all of the others but not them. They keep hanging up and I never talk to anyone. Someone needs to investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I never opened an account and used them at all for XXXX XXXX/PAYPAL. They addressed to me with wrong address and want me to pay the balance. Otherwise, My credit report would be ruined. In the beginning I disputed them and they recommended again to pay the bill and I would not have any problem on my credit score. I decided that I would follow their recommendation and paid the balance. But, they messed up my credit report. I should have reported to police for identity theft.

By the way, one year later this problem happened again. They called me and asked me to pay another balance under another account which I never ever opened it. I went to police station and reported for that issue.

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 2018-11-27 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
XX/XX/2018 Essentially, I applied for a loan through XXXX XXXX at XXXX of XXXX XXXX and was declined. I acknowledge and fully understand I authorized this hard inquiry. What I did not authorize and what is not okay with me is that in order to try to get me approved my information was used to apply for a loan elsewhere without my authorization. These banks include : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX texas XXXX ), and XXXX XXXX  lndirect ( XXXX AL XXXX ). 

I have recently wrote to XXXX only, however, I have yet to even be acknowledged. 
I don't want these hard inquiries on my credit score, and be at risk or having anymore effect on my credit score.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I paid all balances for XXXX XXXX before moving to XXXX XXXX, including {$100.00} cleaning fee. 
I did not receive the mail keys for XXXX XXXX until last week. 

Last week after picking up the keys, I found a letter from collections for {$150.00} balance. 
The company called me twice and threatened to report this to credit agencies. 
I requested one day to provide proof of payment as the XXXX court office is closed today.

The denied, responded rudely and insisted that I pay immediately and will be put on hold until I make the payment. I requested that I will call them after 1 hour after my meeting. they refused and did not allow anytime and wanted immediate payment. I made the payment and felt this is extortion. This is extremely stressful, disrespectful and intrusive to my work. 

I left work to talk to XXXX court office but the office is closed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased concert tickets from a 3rd party re seller with my capital one credit card. I received the tickets a week later and the day that I went to the concert venue I was denied access. The front gate representatives stated that the tickets on my smart phone were not valid. I never received what I paid for and the credit card company didnt want to help me. The credit card company stated that its my responsibility to get my refund from the merchant. They have not helped at all in the process. I spent numerous times trying to contact the merchant and the credit card company with no help. I responded to the merchant response in my first dispute telling them that I have notified the merchant right away that I was denied access into the venue. How is that my fault that I have get a letter of denial from the venue! They should be responsible for that part of the investigation. Especially since the merchant sold me a fraudulent concert ticket! 

Now, the credit card company charged me a late fee and they charged me interest. And telling me I have to pay for services I never received!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On dates XXXX, XXXX, I mailed each of the XXXX bureau disputing this inaccurate, information on my credit, The addresses were deleted but the public record related to this dispute still stand, I even took it upon myself to mail the court that the Bureaus say they are verifying this information with. The court response is included a long with a address that is not mines on the XXXX, I am filling a complaint to get this inaccurate information removed from my credit. I was not notified on how this item is verified as mines on each of these responses. This is violating the FCRA.

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 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On dates XXXX, XXXX, I mailed each of the XXXX bureau disputing this inaccurate, information on my credit, The addresses were deleted but the public record related to this dispute still stand, I even took it upon myself to mail the court that the Bureaus say they are verifying this information with. The court response is included a long with a address that is not mines on the XXXX, I am filling a complaint to get this inaccurate information removed from my credit. I was not notified on how this item is verified as mines on each of these responses. This is violating the FCRA.

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 2018-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: DISCOVER BANK
State: OK

Complaint narrative:
I ordered a new card from Discover on XX/XX/XXXX and I got an email that said it would be 7-10 days to receive and I never received it. I called on XX/XX/XXXX to report it and the representative gave the option to reorder the card or cancel the account and restart it ; I chose to restart it, for security reasons, since I hadn't received my card. The representative placed the order for a new card and I confirmed with her and she acknowledged she was sending me out the card I originally ordered, which had an eagle design on it. I was also told i would receive confirmation of the account getting cancelled with 24 hours, which I never received. On XX/XX/XXXX I received 2 different cards in the mail with different account numbers, so I called to inquire about the cards. One of the cards was the original card I was supposed to get and the other was a new card, but not the one that I was told was being sent. I was told by the representative that the previous representative I spoke to had went back into my account on XX/XX/XXXX and placed an order for another card. This was done without my knowledge and was never contacted or informed about another card being ordered. The representative then told me that the first representative should have told me that she was not sending out the card she said she was going to and was going to have to reorder it. He also stated that they can go in and order a card without the customer 's consent. A representative should NEVER access a customer 's account and order cards without their consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have been called by this company five different times today, XX/XX/18 - XXXX, XXXX, XXXX, XXXX, and XXXX. They never leave a voicemail stating who they are or why they are calling. It is only through research that I discovered it is related to a late payment I have with PayPal. I have blocked this number on my XXXX yet their phone calls continue to come through.

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 2018-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I logged into my online banking with Chase and noticed that one of my credit cards had shown closed. I contacted their executive office and they said yes indeed it was closed and they would research it and get back to me. This is the third time this has happened and they have reopened my account in the past. 

I understand that Chase may reserve the right to close my account due to inactivity but as a financial institution it is within their operating agreement that they will not do financial harm to their customers. 

The account they closed is my second oldest tradeline. By closing it, they have effective done financial harm to me by reducing the number of tradelines I have open as well as my credit age which has not been cut in half. 

Chase called me today to tell me they sent me a letter several months ago telling me my account is going to be closed. I did not receive this letter, if I had I would have contacted them earlier as I had done so in the past two occurrences. 

I would like Chase to reinstate my account and give me the opportunity to keep my stellar credit profile. Other than a single letter that they claim they sent ( to cover their own interest ) they made no effort to reach me either through email or phone ( of which they could have easily done ). They took almost no effort to protect me from the financial harm that they knew this account closure would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: PNC Bank N.A.
State: PA

Complaint narrative:
PNC BANK CARD SERVICES XXXX XXXX XXXX, PA XXXX 2012 XXXX Statutes of limitations of Pennsylvania have been expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: Capital Credit and Collection Service, Inc.
State: TX

Complaint narrative:
My wife went to the same XXXX  that I was using and had XXXX XXXX XXXX. They never fit right and XXXX XXXX nurse and my wife had words and could not resolve this issue. My wife refused to pay and they just reported it to credit bureaus. It was on her credit report and she disputed it and it was removed. It was then put on my report as collections {$3400.00}. My XXXX   work was always paid by me or insurance. XXXX XXXX  office was Sold to XXXX XXXX who refused to correct the issue afterwards.. the debt was transferred to my Account under my SS #. Filed a fraud report to police and after investigation they said it is a civil matter between us. XXXX XXXX has passed away and they still refuse to help. They said there done it was turned into collection!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
There has been a collection that got posted on my credit reports from a frivolous called debit collectors ( Receivable Performance ), I never heard of this scam agency nor that I ever had any contracts with them or ever signed any documents or agreements with them or ever heard of it. I want this scam to be taken off my credit reports immediately. they posted their scam on XXXX credit bureau and XXXX  credit Bureau

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 2018-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2018 I sent a certified validation letter to Wells Fargo Bank as well as Dealer funding/Innovate loan asking them to verify the account that their company is claiming to be charged off. It was verified as received through the postal service as received on XX/XX/2018. Per the fair credit reporting act and the fair Debt Collection Practices act they are required to provide written proof bearing my signature. They are reporting incorrectly and I am requesting that they fix this. Also Another letter was sent out certified asking them to validate charge off accounts on the XXXX of XXXX, 2018 and was verified as received on XX/XX/2018 as well. My next step will be taking them to court because are in direct violation of the Fair Debt Collections Act as well as the Fair Credit Reporting Act.

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 2018-11-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been in close communication with XXXX XXXX  regarding the reporting and detailed erroneous information that has been applied to my personal credit report for XXXX XXXX, Equifax, and XXXX. I have received written information from XXXX XXXX  stating that they are no longer reporting ANY negative information on my personal credit report for the XXXX XXXX Credit card, XXXX Credit Card, and XXXX XXXX XXXX XXXX credit card. After receipt of this letter from XXXX XXXX, I submitted a dispute with XXXX XXXX, Equifax, and XXXX to have these accounts removed from my report as the information is no longer valid. XXXX XXXX, Equifax, and XXXX   completed the dispute within 10-15 days by only UPDATING the accounts to show as CLOSED and not DELETED. This information could not have been accurately investigated by XXXX XXXX, Equifax, and XXXX  within this amount of time and this resolution is completely inaccurate.

Company response to consumer: Closed with non-monetary relief