vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XX/XX/2017 I had experian dark web protection XXXX services and XXXX protection plan I discovered XXXX XXXX phone service let someone add 7 XXXX and a XXXX  phone to my account this went on til XX/XX/2017 XXXX   restoration services detected fraudulent activity but never proceeded. Then all kinds of bizzarre occurances I have been legally seperated well over 10 yrs. 5 years ago my stepdaughter was killed in a horrific car accident my mother died that same month I fell shattering my hip went thru severe XXXX .In the meantime I was awarded a very large settlement thru the USTreasury I didnt even know about I had been using my ex s grandmothers address for a mailing address the last 5 years.Well this past holiday season I came to town to see my son and mine and my exs grandchildren when i received an internet inheratence and notice of a large dispursement on the now annuity from USTreasury that I haddened been told about my ex and his brother and family now live in the grandmothers house shes past away I confronted him with it while i had a cab waiting he rammed me into a wooden corner cabnit breaking my XXXX.i went to the hospital reported it that town wouldnt arrest him for it unless i went in person and filed.Now Govt shutdown Im at a XXXX XXXX shelter still not accessing annuity or overseas stocks and inheratence HELP.

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 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX dollars was withdrawn from my acct which my card was lost/stolen and it wasent me it was fraud and they said the denied my claim of grounds cause my pin was used .. anybody could of seen me use my pin n waited for for the right chance to do what they did to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23 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: CA

Complaint narrative:
Send letters didnt respond back

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 2019-01-23 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: CA

Complaint narrative:
Send letters didnt respond back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Global Trust Management LLC
State: VA

Complaint narrative:
My husband and I are working with a Credit Agency to help us get our debt paid. However Global Trust Management is constantly calling me at work after I have asked them not to. They are also using work to reach me at work pretending to be a customer. I have been told to shut up, they will go after my family, start calling everyone I know. I have told the a number of times not to call me at work or on my cell phone, that we are working with XXXX XXXX to get our debt worked out and paid that they need to contact them, however they are still calling harassing me at work. The number they call from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: OH

Complaint narrative:
RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX  XXXX ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XX/XX/XXXX XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below.

Thank you. 

Sincerely, 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 2019-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: KS

Complaint narrative:
I called Freedom Mortgage on XX/XX/19. I made it extremely clear that I wanted to pay {$25000.00} to principal only. I know the call was recorded and I reconfirmed that it was for principal only. However, instead of applying the full {$25000.00} to principal, only {$19000.00} was applied to principal on XX/XX/19, and the remainder was applied to two extra regular monthly payments. On XX/XX/19, I received a physical letter in the mail, dated as of XX/XX/19, telling me that Freedom Mortgage was transferring my loan on XX/XX/19. Therefore, it seems as if Freedom Mortgage blatantly collected two extra interest payments against my wishes, and in turn, hoped to flip the mortgage to a different servicer before I noticed the error. I can't imagine this is legal in any way. 

I'm not exactly sure what legal recourse/ability I have to file a proper complaint, but if I would not have been diligent in my record keeping, it would have been monetarily detrimental to me and a benefit for Freedom Mortgage. 

Please find the attached screenshot of my Freedom Mortgage account as of XX/XX/19 that notates the incorrect application of principal along with the reversals after I discovered the error. I also attached the notice of transfer.

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 2019-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices Howard Lee Schiff, P.C.
State: CT

Complaint narrative:
The Law Firm Howard Lee Schiff has been collecting a debt for me for a XXXX credit card that I opened with XXXX XXXX store in XXXX, CT where I bought a TV back in 2009. I payed the remainder of what I owed with cash since I had just got married so I had cash on me. Never thought anything of it to save any paperwork since I just thought it was settled. Then the company I bought the TV from went out of business a few weeks later after I paid the TV off in cash. Next thing I know I'm receiving collection calls from XXXX saying I owe a debt and now interest. I refused to pay and then I started receiving collections calls from Howard Lee Schiff which I also ignored because I knew I owed nothing. That was a big mistake because they ended up suing me and took all of my money in the bank which left me no money in my bank until we went to court. This was years ago so I don't have exact dates and times. However I'm still being harassed from these people after we settled that I pay {$30.00} a month which I've now paid the TV over 3 times now. Somehow I see the last owed amount and it's at over {$1900.00} which is absolutely fraud. That's how much the TV was when I bought it 10 years ago! This has to stop as all I do is continue to pay them and the amount continues to go up. It's disgusting that these people get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My access has been limited to my money market account due to an issue with my wife 's account at Capital One 360. I have contacted the security department to close my account and give me access to tax forms that they have issued electronically. They refuse to do either until they speak to my wife who is not the holder of this account. The are essentially holding my funds and my tax documents hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
A phone call on XX/XX/XXXX ( XXXX ) with XXXX XXXX from Choice recovery took place regarding a debt collection attempt that I was unaware of. During this phone call, I mentioned that I do not remember ever receiving a bill from XXXX XXXX XXXX XXXX XXXX. because all my bills were being directed to my Lawyer. I explained that I was in a car accident where a vehicle hit me when I was stopped at a red light and the Lawyer was handling all the calls and the bills. 

At this point, XXXX XXXX from Choice recovery told me that he was no longer aloud to discuss this account with me by law and asked for my Lawyers number, so he could contact directly. I gave him my Lawyers contact information. 

Yesterday, on XX/XX/XXXX, I noticed that my credit score dropped 24 points!!! When I looked to see why it dropped, it stated that 7 new accounts were opened and the total number of derogatory accounts had also increase by 7. Looking into it further, I found that all 7 new accounts and 7 derogatory accounts were from Choice Recovery INC. 

Today XX/XX/XXXX, at XXXX XXXX I called XXXX XXXX at Choice and asked why they were attacking my credit. I was told y XXXX XXXX that they were unable to get in touch with my lawyer and by law they are not allowed to contact me without my Lawyer 's permission and can not discuss any other details about my case. I then asked to speak to his Manager. 

XXXX XXXX transferred a call to XXXX XXXX and she proceeded to repeat the same information that XXXX XXXX presented me with. I told her that I completely understand that they are by law not allowed to contact me with out my Lawyers permission, but if you couldn't get a hold of them, you could have at least informed of this information so I could call my Lawyer and have them directly reach out to you instead of just attacking my credit. ( They didn't get permission to contact me from my Lawyer but didn't get permission to attack my credit history either but they did!! ) I asked how a could get this removed from my credit history and she told me that I needed to contact my lawyer and have them contact Choice Recovery INC for something to be worked out before they could see if something could be done with my credit. 

They attacked my credit without my knowledge, without giving me a chance to resolve the issue, then hold my credit score hostage with no guarantee to fix my credit. How is this allowed? If they are not allowed to contact me by law and they don't get a hold of my Lawyer, I'm left in the dark till one day I get a surprise of a 24 point hit to my credit score!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: TX

Complaint narrative:
I was a XXXX  in an LLC. We opened a bank account at XXXX  and they asked if we wanted a credit card. We said, only if will not affect our personal credit because we new that starting a new business it had the potential to fail.

The banker told us that it would only be on the companies credit report. A year later, we had to close the business and the unpaid credit card showed up on my credit report.

I contacted XXXX  and they said that the banker shouldn't have told me that. There policy is to report it on a personal account.

Not that I want to ruin the credit of my partners, but this makes no sense. Pick one partner to report it on their credit.

The purpose of an LLC is to protect your personal accounts and keep your business and personal account separate.

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 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and  XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX   XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below.

Thank you. 

Sincerely, 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 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and  XXXX XXXX XXXX  XXXX ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX   XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below.

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
The payment system and deceptive billing practices used by XXXX  seem to intentionally cause customers to default, or have late payments.

For example, if a person makes a payment on the due date. XXXX  will not process the payment until a few days later and post the payment on the day they processed the payment ( not the day it was made ). Therefore, the customer incurs a late fee for a late payment.

A second scenario, a customer makes a payment 3 days prior to the due date. XXXX  still processes the payment after the due date and post the payment to their customers account after the due date. The customer still incurs a late payment fee, because XXXX  did not process the payment until after the due date, although the payment was made before the due date.

The payment system used does not seem stable and has had issues processing payments. Also, causing customers to keep trying to make a payment online and sometimes will cause the customer to be late. Or force the customer to submit a payment in an alternative method ( mail ) which will also cause the customer to incur late fees and a late payment.

XXXX also reports an account as " Closed '' to the three Credit Agencies, even though the account is truly not closed by XXXX or the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
A collection company named Kansas Counselors has reported three collection accounts on my credit report. They were supposed to supply me with a notice of my right to dispute, prior to putting these accounts on my credit report. However, they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I sent a letter dated XX/XX/2018 to Way Point Resource Group for Validation of the alleged debt that mysteriously appeared on my credit report. I did not open this account reported on my credit file. I don't Know who this company is. I specifically asked for a signed agreement and other supporting documentation. The request was not adhered to they never responded to my letter and Way Point Resource Group continued to report to the credit bureau for the alleged debt. I never received a billing statement from this company I don't even know who they are. Way Point Resource Group have reported the information to the credit bureaus that I am asking to be deleted. The account does not belong to me. I opened a identity theft complaint with the credit Bureaus on XX/XX/XXXX and since the identity theft complaint, I have not received an update from Way Point Resource Group. The only update I have received was from my investigation results with XXXX  that the account was deleted from their bureau but the other Bureaus continue to report on my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am subscribed to many services that offer your credit scores and a breakdown of your credit reporting ; such as XXXX XXXX ; XXXX ; etc. The reports that are shown on those sites offer " Vantage Scores '' and " Fico Scores ''. On XXXX ; for example my " Vantage Score '' shows a score of XXXX. On XXXX XXXX and XXXX, I show a " Fico Score '' of XXXX for both XXXX  and Transunion. The reports show that I have never missed a single payment ; I have credit history over seven years ( which  apparently isn't good enough for the consumer credit bureaus ) ; and many accounts ( of which are student loans and apparently reflect negatively on your credit report, which is unfair and bogus ). 

Both of these scores are consistent and have been consistent over the past year. Just recently I had a " hard inquiry '' performed in order to see what I could afford if I sold my house and purchased a new one. My mortgage lender told me my score was XXXX, but was also very confused as to why it was so low, given my history. This score was the same for both XXXX  and Transunion. I explained to him that I regularly check my report and scores and both are in the mid 700s. He explained that that question gets brought up a lot - and he isn't quite sure why there is a discrepancy in the information displayed to consumers as opposed to lenders. I've worked hard to build the credit I have and I find it misleading ; in poor taste ; and incredibly deceptive that these companies will display a higher score to consumers - but when inquiries are done, a different score is shown. I received the Credit Score report back from my mortgage lender and it sure enough showed a XXXX score from Tansunion, with a bunch of derogatory things such as " too many consumer lending accounts ( student loans? Excuse me they are not too many consumer lending accounts ) '' ; or " length of established credit too short '' ( Seven years? ). I find this deceptive and frankly disgusting that you would display false information, or contradictory information to consumers, or to lenders, just to abide by whatever laws may have been published. I want this fixed, or I want an explanation as to why my credit score shows me XXXX through XXXX and XXXX XXXX ; but XXXX to lenders.

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