vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-12 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: CO

Complaint narrative:
I sent every credit reporting bureau a identity theft police report and copy of my id and Experian REFUSES to remove unauthorized inquiries. I called AGAIN XX/XX/XXXX and the representative to remove all unauthorized inquiries from my report. I advised I have contacted these companies and can not get resolution. The representative stated to keep reaching out. That if I applied for a loan companies can do that. I advised her NO I authorized ONE company and they never reached out to verify my identity before allowing them access to my credit like I requested when there is allegedly a freeze. And this is causing a negative effect on my credit. She refused to give me a rep id. And just advised she can put she is on the XXXX team. I advised I did NOT authorize any other company but XXXX and XXXX XXXX to access my credit. I am requesting these all be removed since these fraudulent and unauthorized inquiries are having a derogatory effect on my credit. I have been fighting with them for over 1 year and its increasingly becoming a issue. I am requesting the following be removed. They have allowed companies to access with a credit freeze and wit my knowledge and authorization. remove the inquiries. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I ALREADY HAD THE LOAN XX/XX/XXXX THEY HAD NO PERMISSION OR REASON XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NO DATE GIVEN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARDS XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CO NO DATE GIVEN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX MEMBERS XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX NO DATE GIVEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO DATE GIVEN I HAVE LEFT WHAT I DID AUTHORIZE NOT LISTED

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 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
I recently pulled my credit reports and noticed 3 XXXX accounts in collections. I have not had a XXXX account in over 10 years. The addresses that are linked to these accounts are addresses I have never resided. These accounts are causing constant denials for credit and are hindering my homebuying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: IL

Complaint narrative:
I received a call from XXXX from NCC Business Services XXXX XXXX XXXX XXXX, Florida XXXX today. This is the 10th call I have received during the past few months about a debt that I never owed but they won't stop harassing me. I have no debts and never have had any debts and I learned from the internet from various websites that this company is fraudulently calling people trying to scam them into paying non-existent debts. I hope you can stop this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm complaining about Experian. 
In my XXXX years on earth I had outstanding credit because I never missed a payment or even made a payment late. Ever. 
Within days of receiving my statement i called XXXX XXXX to request the payoff balance of the account. I immediately paid the remaining balance in full and closed the account. 
XXXX XXXX for some reason added charges to the account afterwards of which I was unaware. 
I was never contacted by them in regard to the charges and found out for the first time when I saw that my credit score was blasted from over XXXX to below XXXX by Experian. 
After inquiries, I contacted XXXX XXXX and resolved the issue which was their mistake. 
Now my credit score is still below 700. 
I feel that my credit score dropping almost 200 points because of something that was not my responsibility is unfair. Especially considering my flawless lifetime history of timely payments and financial responsibility.

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 2018-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In college, I took out two private loans from XXXX XXXX in 3 disbursements, the first was on XX/XX/XXXX for {$4400.00}, XX/XX/XXXX for {$4400.00}, and last on XX/XX/XXXX for {$3100.00}, for a total of {$12000.00}. After graduating from college and the 6 month grace period before entering loan repayment, I was unable to make payments with my current income at the time and used the forbearance option available to me to postpone my payments. At the time, the servicer was Sallie Mae. Total amount owed after graduating and grace period for my two private loans on XX/XX/XXXX was {$15000.00}. After the various periods of forbearance, my balance jumped to {$23000.00} on XX/XX/XXXX. When I started making payments, there was an inconsistency on how the payment was being applied to my principal and interest balances as demonstrated by the document attached. The loan was sold to Navient on XX/XX/XXXX at which the balance remained almost the same at {$23000.00} after two years of making payments. The inconsistency of how the payments I make are being handled is still occurring and after over 5 years making payments, my balance remains at {$19000.00} on XX/XX/XXXX. To this day, I have made {$19000.00} worth of payments that have been inconsistently applied to principal, interest, and fee balances since XX/XX/XXXX. How do I still owe almost the same that I already paid and much more than I originally borrowed? I never agreed to any type of repayment plan where my money was primarily used for interest payments. In addition, I am currently unemployed and have not source of income to continue paying this ridiculous balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: OR

Complaint narrative:
I obtained my credit score from my XXXX XXXX XXXX  app and noticed it dropped 280 points. I read the summary under the score and it said, my revolving limits were maxed out and I had numerous late payments. All of which is wrong, I have 0 revolving account balances and haven't missed a payment in 9 years. I went to the bank, we went on XXXX XXXX XXXX XXXX. XXXX  and XXXX  were correct Experian wouldn't let me log in, it said my information was incorrect. After several attempts with numerous phone numbers and robo circles that went to dead ends. I finally was able to talk to someone and they referred me to someone else. Appearantly Experian mixed someone else 's info in with mine. How does that happen? How can my score drop 280 points over night and not raise a red flag with them? They said they have it cleared up now, but I am waiting for my hard copy of my credit report in the mail. I have been a victim of ID theft already and it was a nightmare. I told the guy, ironically enough while waiting for you I heard numerous ads on how you were protecting us and we could pay for more protection and here you are the one I need protection from.

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 2018-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Conspiracy to commit fraud. XXXX XXXX XXXX and her elder sister XXXX XXXX. XXXX took XXXX into XXXX XXXX XXXX on XXXX XXXX, in XXXX TN. On around XXXX. Where XXXX XXXX XXXX Pretended that her elder sister XXXX XXXX was me XXXX XXXX. Where XXXX and her sister XXXX and the family of XXXX XXXX XXXX who are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Where they fraudulently open online banking. Bank cards and other bank XXXX ... At XXXX XXXX XXXX, as well as other banks. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX -BANK, XXXX XXXX , XXXX XXXX  ( online. XXXX ) - Bank XXXX ... And fraudulently continue controlling accounts in my name using my # SS. Without permission or authorization from me XXXX XXXX. Where they continue to control and spend larger amounts of my money up to XXXX XXXX, XXXX. XXXX XXXX XXXX and her family live at XXXX XXXX, TN XXXX. XXXX XXXX XXXX elder sister XXXX XXXX lives at XXXX TXXXX XXXX XXXX, IN XXXX. The XXXX family and XXXX XXXX have all conspired against Me to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I have a vehicle through Exeter finance and I have had bad experiences with the company. The company is very poor at customer service. I had an issue with my car it got reprocessed. They sent the car to XXXX Georgia for auction not even a day after reprocessing it. I called and I paid up to {$3000.00} to get my car back and still had to travel 4 hours to get my vehicle. I called today about my payment for Friday, the first thing the rep brings up is the broken promises on my account. It has just been a negative experience dealing with their customer service and their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC.
State: KY

Complaint narrative:
My daughter called Caine & Weiner on XX/XX/XXXX around XXXX XXXX, acting as me I guess to find info on this. They did not verify info to make sure it was me. they released to her the Creditor and the balance and continued to discuss the file with her. i did not like that this was done. So, I called them on XX/XX/XXXX around XXXX XXXX I then find out and I called them and asked straight off to spoke with a manager or supervisor, i was transferred 2 times. I spoke with a supervisor and off the bat when i explained the issue, he stated they did not have to verify and became combative. I told him before a debt collector gives any info they have to verify info to make sure they are speaking with the correct person. That is FDCPA Law. He stated what info was released to my daughter. I told him the creditor and the balance. he stated they don't have to. I told him i am in collections. He then started to ask me, first party, third party what type am I in. I told him Legal. i work for an XXXX  office, the same as him. He said well then you know. i said yes i do know. I know per FDCPA that you have to verify last 4 of social and date of birth before you speak to anyone to make sure you have the correct person. I told him that i will be reporting this and that the call recordings they have will show that a violation was made. He proceed to tell me their calls maybe recorded. I told him i know all calls are recorded, that is how they can monitor if the collectors stay in compliance to the law. the hole time we were talking he was talking over me. I had told him i was reporting this issue. He did not like my response. There is no telling how many times they have broken the law. I do not appreciate my personal information given to anyone even my daughter. Verifying people is a Key point in a collectors job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a bill. Paid it on XX/XX/2018. Mailed it on XX/XX/2918. Posted on my bank statement on XX/XX/2018. Received next bill in XX/XX/XXXX. On that statement, I was charged for the same amount again + a {$2.00} interest charge. I paid the total charges for both months, because I did not want my credit to be ruined. Paid total charge on XX/XX/2018. I gave the company a few days, to see what would happen. Called the company 's consumer number about the disputed billing. Was told that complaint dept. was not available. Called on XX/XX/2018, talked to complaint person XXXX. Would not listen, said that the fees + charges would stay. Asking for Help on XX/XX/2018. I do not want my excellent credit score to be tarnished.

I cancelled my card at XXXX XXXX on XX/XX/2018. Total amount in dispute is {$12.00} + {$2.00} in interest charge.

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 2018-11-12 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am getting calls from this company, I am not the party they are trying to reach. They keep calling even though I have asked to be removed from their call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I had a Wells Fargo credit card involved in the XXXX Wells Fargo account fraud scandal in which Wells Fargo sales representatives without consent of pre-approved customers created fraudulent charge accounts and collecting fees. Wells Fargo 's corrupt actions resulted in a multiple XXXX dollar law suit and settlement on thousands of accounts. I disputed on several occasions providing written complaints with wells Fargo in XXXX and XXXX. I explained that I was paying my account monthly through their electronic payment process which was suddenly stopped in XX/XX/XXXX. I contacted Wells Fargo and was advised that they had no record of my account. I never received any written, telephonic or electronic notification from Wells Fargo since that time. Upon review my recent credit report it revealed that Wells Fargo had closed my account, charged late fees, and charged off the account as a bad debt. I was never received any written notification or telephone calls from any collection agency regarding my account. As a result of their action my credit score was damaged. In XX/XX/XXXX, I again contacted Wells Fargo by telephone and was again advised that they had no record of my account and hung up. I would like the CFBP to look into this improper consumer behavior and assist me in resolving this matter.

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 2018-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation
State: TX

Complaint narrative:
We used Fairway Independent Mortgage Corp. ( Fairway ) to purchase our home through their VA program as I am a XXXX Veteran. During the process of signing the mortgage paperwork, I asked our loan originator ( the person helping us with the application and our contact through out the entire process ) if we could make Bi-Monthly payments and for more than what the payment was ( additional principal ) to pay down our Mortgage. She told us yes we could and it could be set up online. I also asked her if our Mortgage would be sold, she advised us that although we were signing documents stating that it may be sold, that in fact no it wouldn't be sold. Less than 30 day after closing, before the XXXX payment was due, we were notified via phone by XXXX XXXX   that they had purchased our loan. As of this date ( XX/XX/18 ) we have not received ANY written or verbal correspondence from Fairway, as required by law that they have sold our Mortgage to XXXX XXXX  XXXX ( XXXX ). When attempting to set up Bi-Weekly payments and additional principal payments, XXXX XXXX advised me that they did not offer those options and that they would not apply additional principal payments until the next full payment was received, that funds would be held in a separate account. This option was very important to us and we were told that it was available to us, in addition, to have a re-amortization of our Mortgage, XXXX all charge us {$350.00}, there was no fee for this with Fairway. We did not agree to these terms and are forced to accept them due to the sale of our Mortgage. We feel that we were not treated fairly and lied to about this and it has affected the way that we wanted to pay our Mortgage and investment in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
My VA home loan has been in a loss mitigation for 2 years. The company, Freedom Mortgage, was still waiting for my previous loan company ( XXXX   XXXX ) to forward the mitigation packet I had begun with them, for 2 months before my suggestion of me resending the packet to them was accepted. After delinquent amounts rose to high levels I could never repay and my VA approved counselor began pushing on her side, a mitigation was approved, my acceptance sent back and loan papers sent out to be returned within 5 days - I received a letter 7 days later saying mitigation denied for lack of papers being returned, maybe I could re-apply!

My VA approved counselor pushed back and found XXXX had left a package on my porch, no signature required and still hve n't found! Another packet sent out, but legal property described therein was for an address in another state! A month and a half later ( with more pushing from my counselor ), a corrected packet was sent but letter received mitigation denied, paperwork never returned - maybe you can apply again!! XXXX had dropped on porch, no signature required and package never found! A new package sent, signed and returned. 
2 months previous, our insurance dropped our home insurance because Freedom told them it was in foreclosure and they couldn't reinsure without approval from Freedom and issued a closeout check. Freedom told me insurance would be figured on new financing and refund was between insurance and me. Insurance said they couldn't take it back because Feedom had closed it! 
So after packet sent in, we received a letter notifying of escrow shortage ( amount of refund sent back! ) and notice of higher expected payments due! As of todays date, still haven't received final loan docs but told that first payment due last week ( a week after final docs sent in! ) was {$170.00} more than our original house payment that we were stuggling to make!!! 
So after 2 years, it appears that my only recourse is to let them have the house - i'm to the point employment-wise that the original payment amount would be do-able, but their efforts did nothing but cement a bad deal.

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 2018-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have my mortage payment withdrawn from my bank the XXXX of each month automatic payment. At the end of XXXX not sure the date I went online to change the added money I was making on the principal and changed it to my escrow account. That was the only change I authorised. On XX/XX/XXXX the mortage payment was withdrawn from my bank not on XX/XX/XXXX. I called the company and asked why was it withdrawn on XX/XX/XXXX and not XX/XX/XXXX the lady told me that if you make changes to your account it changes the withdraw day by default to the XXXX of the month. I said no I didn't ok that and wanted a credit back because I had money comming in before the XXXX to be able to make my regular payment. I was credited the amount back and said to withdraw it on XX/XX/XXXX which is my normal withdraw date. I latter found out It was not withdrawn on the XXXX not sure why. During the last week of XXXX and the 1st week of XXXX I kept getting calls from the mortage saying to give them a call about my mortage but never said why. On XX/XX/XXXX I called and was told I missed my XX/XX/XXXX payment. I said how could that be it's paid by automatic payment from my bank and if it was not withdrawn it's the mortage companies fault not mine and the guy said he didn't know what happened. I said it was paid and I would check with the bank and was told to send proof that it was paid. I checkd my bank statements and found out it was not paid so I called back on XX/XX/XXXX and said it was wrong saying it was paid and said I would make a payment over the phone. I was credited with the payment on XX/XX/XXXX. On XX/XX/XXXX I recieved a letter from the mortage company saying im past due more than 30 days and my account is in default which is NOT my fault for the missed payment and if anything I should get an apology for the mistakes and confusion the mortage company made and admit it was their mistake for not making the withdraw on XX/XX/XXXX which is the normal date and to say we don't know what happened is not a good excuse and to find out what happened. The mortage company should NOT make changes to my account without my permission which started this whole problem at the end of XXXX.

Company response to consumer: Closed with explanation