vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-22 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: MO

Complaint narrative:
I was contacted by Experian that a hard inquiry was on my credit report from XXXX XXXX. I found that odd because I've had a XXXX XXXX card for many years. I looked it up & saw that it said " a lender requested a copy of your credit report for a home retail loan. Every time you apply for credit, a " hard inquiry '' is placed on your credit report and it may stay on your report for 25 months. '' This is listed as coming from XXXX. A few weeks back I did apply for a credit increase online but it was immediately declined so I know credit was pulled then. 
I called XXXX XXXX today & asked about my credit being pulled today. They admitted it was but never told me why. They said they couldn't remove the inquiry & I'd have to talk to the credit bureau about that. I'm trying to rebuild my credit, I even told them that & that they were the ones that had to take care of the inquiry, not the credit bureau. They said they couldn't do anything about it. I had to talk to the credit bureau. I ended that call with no answers about why that inquiry was done and why they refused to remove it.

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 2018-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I tried in the past to apply for an XXXX credit card which is sponsored by Chase, every time I applied Chase Bank always deny application, I have 2 different mortgages with Chase ( no issues ), 2 XXXX XXXX cards ( no issues ), utility bills and payments are on time. I don't understand why every application has been denied in the past 2 years, is either discrimination or something else that Chase bank doesn't want to disclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
contacted this company several times to advise this debt is not mine .... ask for proof to and was never contacted back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
We live in south Florida and were financially hit by hurricane Irma as our house had damages which consisted of roof damage and exterior damages to fences and trees. We contacted our mortgage company at the end of XX/XX/XXXX explaining the situation and we were put on a  forbearance and explained that our payments would be deferred to the end of our loan term. Now in XX/XX/XXXX we received a call that we had to come up with all the money of those months before they take action on us. Meanwhile this whole time, I have not stopped paying my escrow account which covers taxes and insurance on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please see attached Letter outlining all dates and violations and concerns

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 2018-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
So I've been with Bank of America for a couple years now and about 3-4 months ago I stopped using the account which had a {$0.00} balance well for the month of XX/XX/XXXX and XX/XX/XXXX they charged me a maintenance fee which caused my account to go negative I don't understand the fee if there is no activity. I really just wanted to know if this is legal.

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 2018-02-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to dispute this item that continually reports and shows on my credit reports and it does not belong to me. I have never seen this account before and it just mysteriously appeared on my credit showing as a new credit line with a current date. I have contacted all three credit reporting agencies and they have yet to remove this erroneous error from my report. It is listed as XXXX XXXX XXXX   collecting for a company called XXXX XXXX XXXX. I have never even heard of this company and with this derogatory mark sitting on my credit reports, it is inhibiting my chances of purchasing a home because of my score. Please help! 

Original creditor : XXXX XXXX XXXX {$250.00} XX/XX/2017 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
My mortgage was bought by First National Bank of PA  from XXXX XXXX in XXXX. 

I received a letter from both XXXX and XXXX XXXX about the transfer. However, the first payment listed on correspondence from First National dated XX/XX/XXXX stated that my amount due was {$1700.00}. This is double what I had been paying XXXX. So I called XXXX XXXX Bank ( henceforth referred to as XXXX ) to settle the matter. 

During the call I was told that XXXX had not yet received documentation from XXXX and that I should not make a XXXX payment. I expressed concern that I would accrue interest or get a credit ding for a late payment. I requested a written letter stating that I did not have to make the payment, but the woman on the phone said it wasn't necessary and assured me that everything was fine. Payments would begin on XX/XX/XXXX, no interest would accrue and no credit dings would be reported. 

In XXXX ( XX/XX/XXXX ), I got a letter from XXXX informing me that my account was delinquent. So I called back the person I spoke with assured me that everyone was aware of the XXXX problem and that the letter was just auto-generated by the system. I asked if I could access my account to review the information and was told that account was still not set up. Again I was told not to make a payment until XXXX and to ignore the XXXX payment. 

When I called again today ( XX/XX/XXXX ) to see if my account had finally been straightened out, I was blindsided by a representative telling me that my account is 21 days past due. I went through the whole explanation about what had happened and was told that " due to an error in communications my XXXX payment is past due. '' So that means I was told repeatedly not to make this payment, and a week before my next payment is due, their collections department is insisting I pay XXXX. Well as you can imagine, that money is no longer liquid, in fact, it's very solid, in the form of a new sofa table. 

The people I spoke with in collections basically said that it FNBs fault for lack of communication about the situation, but what is in their system is the final word. All the while, I can't see the system. So they messed up big and now I'm dealing with the repercussions. 

I have never felt so helpless and violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a rebuttal to the previous complaint The reason why you do not see the debtors on my credit report is because I validated information and submitted a disclosure statement to them and the debt collectors removed them.

The ones I had removed was the same ones that I filed a dispute with your company and the dispute was rejected. 

This sends a clear message to me that you all are not doing your job and there was debt placed on my report that should have never been there.

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 2018-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested Transunion delete hard inquiries on my account that are not mine and send me proof. I sent in a certified letter requesting this information be removed and I called on the phone to no avail. They are stating they are mine and can not be deleted. I requested for Transunion to Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 


The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible. 

The hard inquiries are XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX/XXXX  XX/XX/XXXX. 



Thank You, 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 2018-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
In 2016 my mortgage was sold to Carrington Mortgage Services. The online interface for Carrington frequently lags behind, is regularly incorrect, and they do not provide any notifications about activity on your account. 

When I attempted to set up recurring payments online, the account told me that if I signed up it would cancel any outstanding payments. It turns out that they did not cancel my payments, and as a result I had multiple payments taken out of my account in the same month, putting me in great financial and emotional distress. To stop this from happening I put a stop payment order on the account from my home bank account. When I attempted to pay the mortgage the next month, I mistakenly left the stop payment on my checking account, causing the payments to not make it to Carrington.

Carrington has responded by banning me from making online payments for a period of time, but didn't tell me until the payment by mail was guaranteed to arrive after the 30 day period I have to make my payment. This has resulted in my credit score going down, I have to pay an extra cost each month so that I can physically mail a check, and this makes it much more difficult for me to pay my mortgages on time as I have to verify online and over the phone every month that they have received the check. 

I feel that by selling my mortgage to a company that actively makes it more difficult to pay my mortgage, I have been put at a significant disadvantage than I was at during the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
To Whom it May Concern, On the evening ( approximately XXXX XXXX. ) of XX/XX/ I made a mobile Bank of America deposit of a payroll check from XXXX XXXX XXXX XXXX in the amount of {$5500.00}. According to Bank of America 's Cutoff times for deposits, transfers and payments -- see https : //www.bankofamerica.com/XXXX  -- mobile checks must be deposited before XXXX XXXX ET for same-day credit and as I quote from their website : " Funds will generally be available the next business day. '' After my mobile deposit was completed, I was informed via email that my funds will not be released until the date of XX/XX/ at approximately XXXX XXXX ET. Due to the large amount of funds, my payroll check falls under the deposit exception rules stated in federal regulations. However, the FDIC Law, Regulations, Related Acts states in 229.13 ( b ) that : " Under 229.13 ( b ), the large deposit exception, a depository bank may extend hold schedules when deposits other than cash or electronic payments exceed {$5000.00} on any one day. A hold may be applied to the amount in excess of {$5000.00}. To apply the rule, the depository bank may aggregate deposits made to multiple accounts held by the same customer, even if the customer is not the sole owner of the accounts. '' Bank of America is in violation of these stated regulations. Under 229.13 ( b ) Bank of America is required to release these funds as stated on their webpage. Bank of America is violating this federal regulation by withholding all monies. Under federal law, Bank of America is legally required to release the first {$5000.00} within the next business day and may hold any monies or excess over {$5000.00} for a maximum of 9-business days as stated in the FDIC Law, Regulations, Related Act. 

I have contacted their corporation using numerous mediums but their company refuses to resolve this dilemma and continues to hold my monies, including the first {$5000.00} untilXX/XX/XXXX My intent is resolve this injustice and bring attention to how this corporation is noncompliant with federal regulations. I am only one customer, but I encourage the CFPB to look further into this issue since it appears to be common practice with this entity. I am surely not the only victim. 

Regards, 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 monetary relief
Consumer complaint received 2018-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX Above I am starting with the contact information I received from the dispute I filed for XXXX. I  attended college for XXXX XXXX and did not get to finish the program because the school shut down when XXXX colleges took over XXXX college.  They committed fraud and lied to their students about the school shutting down including me and got me to spend more money knowing the school was shutting down. I did not get to finish school and should not have to pay for these loans. They expect me to pay around 6 grand a month but I did not finish my degree so I do not have a good XXXX job to pay like I would have if I would have got to finish school. I found a website online last year and finally got a mailing address to mail papers in to detest the student loans but never heard anything back. Tried to research number s to get ahold of them and nothing ever went through and no one got back to me. I need help getting justice for the loans that I should not have to go back. They are destroying my credit and I can not and will not pay the loans back for a degree I did not get to complete I will eventually have to file bankruptcy if the loans aren't forgiven. Many students got their loans forgiven because of the fraud XXXX  colleges committed and I should be one of those students.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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:
Please see attached Letter outlining all dates and violations and concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: FL

Complaint narrative:
Equifax is reporting inaccurate information on my credit report. I received a letter from equifax stating that XXXX XXXX XXXX   account # XXXX is reporting never late never repossessed. Well I checked my credit report and they are reporting late payments and the remarks says redeemed repossession. This information is incorrect and equifax is in violation of the FCRA federal law. This account is an installment loan equifax is reporting the account as a credit card account that is inaccurate and proves they have not verified this account, they are also reporting that I owe {$15000.00} the correct amount is {$14000.00} and the account is reporting as closed when its an open active car loan! If this issue isnt resolved and updated I will file a lawsuit against equifax for illegally reporting inaccurate information!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to dispute this item that continually reports and shows on my credit reports and it does not belong to me. I have never seen this account before and it just mysteriously appeared on my credit showing as a new credit line with a current date. I have contacted all three credit reporting agencies and they have yet to remove this erroneous error from my report. It is listed as XXXX XXXX XXXX   collecting for a company called XXXX XXXX XXXX. I have never even heard of this company and with this derogatory mark sitting on my credit reports, it is inhibiting my chances of purchasing a home because of my score. Please help! 

Original creditor : XXXX XXXX XXXX {$250.00} XX/XX/2017 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information

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 2018-02-22 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: FL

Complaint narrative:
I have tried to dispute this item that continually reports and shows on my credit reports and it does not belong to me. I have never seen this account before and it just mysteriously appeared on my credit showing as a new credit line with a current date. I have contacted all three credit reporting agencies and they have yet to remove this erroneous error from my report. It is listed as XXXX XXXX XXXX   collecting for a company called XXXX XXXX XXXX. I have never even heard of this company and with this derogatory mark sitting on my credit reports, it is inhibiting my chances of purchasing a home because of my score. Please help! 

Original creditor : XXXX XXXX XXXX {$250.00} XX/XX/2017 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information

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 2018-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Green Trust Cash, LLC
State: WA

Complaint narrative:
I borrowed {$700.00} on XX/XX/XXXX I have made 2 XXXX Payments on XX/XX/XXXXand XX/XX/XXXX. I called to pay off the loan on XX/XX/XXXX. They said the pay off is {$880.00}. I asked how it could be that much if Ive almost paid {$400.00}? They said every day collects interest and I wont start paying for the loan until XX/XX/XXXX. This is crazy. I am willing to pay back. The loan but not that much!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I have an auto loan and the Lender does not provide paper statements. When I go online I am able to see the payments/fees that I have made or been assessed. However the Lender does not have how the payments are being applied ( what goes to principal and what goes to interest ). I know they are doing this on purpose to avoid questions from other consumers who are experiencing the same thing. I have to submit a request ( which can take 2-3 days ) to show how may payments are broken down in principle and interest. Why? All other loans/credit cards I have show this information right on the screen/billing statement and it is readily available ... this lender doesn't. I feel like this is a violation of Reg Z.

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 2018-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: QuickClick Loans of Illinois, LLC
State: IL

Complaint narrative:
I took out a XXXX $ loan in XX/XX/2016. I have been paying XXXX $ a month since to pay off the loan. The balance currently owned on my loan is XXXX. I have contacted the company MULTIPLE time to let them know I have paid back this loan times already with interest. I didnt realize the interest was at 96 %. I didnt realize a company could allow the interest to be so high. I have the account tied to my main bank account so it comes out automatically every month. There has to be something that can be done to get out of this loan. There is no longer any contact information on the website to get in contact with anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief