vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 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:
XXXX / XXXX / XXXX    XXXX   via  XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Dear  XXXX  via  XXXX  : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of m y Trans Union cr edit report,, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date :  XXXX ,  XXXX  If you can not provide such documentation, you are obligated to remove the offending inquiry at once.   Sincerely yours,  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Dear  XXXX    XXXX   XXXX   XXXX   : Why does your hard inquiry (  XXXX ,  XXXX  ) appear on my  Trans Union credit report (   XXXX  )? Are n't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act?   Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now.   Sincerely,  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX  via  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  Dear  XXXX   XXXX   XXXX  via  XXXX   XXXX  : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of  my Trans Union credit report, pursuant to the permissible  purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date :  XXXX ,  XXXX  If you can not provide such documentation, you are obligated to remove the offending inquiry at once.   Sincerely yours,

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 2017-04-26 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: SECURITY FINANCE CORP
State: TN

Complaint narrative:
Professional Finance Services this  company is making my life a living  XXXX  they are reporting on my credit bureau saying i have and auto loan with them and it has been repossession i told this company before to send me the document stating that had a loan i never had a loan with this company and they are reporting on my credit of  XXXX  in  XXXX    XXXX   they want remove this inaccurate information please 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 explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I 've recently opened up a credit card wit h Costco aka citi bank  once receiving my card I once they spelled my name wrong as  XXXX   XXXX  instead of  XXXX   XXXX   XXXX  I got my first statement I Immediately paid the amount off in full I called today to get a paid in full  letter & close out my account this company then started to give me a hard time saying that they could n't verify my phone number the same number that I opened up my account with all I was trying to do is close out my out it was so easy opening up my account but so very difficult trying to close out my account they have ca lled my mortgage company & my other creditors & still refused to close my account I 'm   XXXX   XXXX   XXXX   & this was a bad situation for me my member number is  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 2017-04-26 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: CA

Complaint narrative:
To whom it  may Conc ern, Experian Customer service would not help me and take care of the negative inquiry reporting to my credit report. The inquiry name is  XXXX   XXXX   XXXX  date  XXXX / XXXX / 2017 . Thank you in advance.

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 2017-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
On   XXXX   XXXX  , I attempted to send money to a friend in the  XXXX  through  Western Union , as I have done several times during the past year, with no problems at all. I have a online account set up with  Western Union,  never a problem, till this time. The transaction was for  XXXX  dollars plus the {$4.00} fee. They take my money from my bank account, then inform me my transfer is put on hold, pending me sending them a copy of my  pic  ID and other info, thru a fax or email with attachment, I do n't have a fax machine, or a way to upload a  pic  of my ID to an email. My friend needed the money right away, so I sent it to him by    XXXX   XXXX     with no problems whatsoever, I called  Western union  to cancel the transfer with them and to get a refund to my bank account, they refuse to do it, they STILL want the  pic  ID sent to them anyway, I talked to them 3 times, and also went to a branch office to no avail, it is MY money, I want it refunded, they have stolen my money and wo n't return it. I am on a low fixed income, I NEED the refund. Please, please help me!!! The tracking number on the transfer is  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
in   XXXX   XXXX   XXXX   I made my payment early and extra on my principle and when I did that my whole payment went a suspense account, I called to get it resolved and was told that it was. My   XXXX   statement came and still was not correct I was then charged a late fee on top of my regular payment which I was told it was going to fixed. I was then told to make the late fee payment so that they could apply the  XXXX  payment and once I did that they would reverse it out and apply it to  XXXX  payment. I have called and called spend over  40 ho urs on the phone with the company who say that they are fixing the mistake and I am told it was fixed and it was in fact not. I have been making my payments on the   XXXX   or   XXXX   of each month for the following month and I am being charged late fee and penalized for their mistakes. They are calling me today telling me that I now owe over {$400.00} in late fees and that I still owe   XXXX   payment when it was paid on   XXXX   XXXX   XXXX  . Seterus customer service reps have threatened me with reporting this as bad credit. This is not my mistake this is theirs. I want it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In  XXXX    XXXX  , I had a {$.00} credit on my Victoria Secret bill.   On  XXXX , I made a {$8.00} purchase, I therefore believed my balance to be {$8.00}.   On  XXXX , I paid {$8.00} because that was the balance on my account when I had called.   I did not remember that a {$.00} charge for Assure insurance was being billed to me on  XXXX . So when I paid my bill on  XXXX , I was {$.00} short.   The next bill arrived and I was charged a {$8.00} late fee for failing to pay {$.00}.   I called to complain that I was not late with payment because payment was not due until  XXXX . I did make a payment before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I filed a compl aint ( Case n umber :  XXXX  ) and the debt collector agreed to cease the calls to my place of employment and yet they still keep calling from different numbers and they keep requesting copies of my credit report!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26 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: TN

Complaint narrative:
XXXX   XXXX   XXXX  this company is making my life a living  XXXX  they are reporting on my credit bureau saying i have and auto loan with them and it has been repossession i told this company before to send me the document stating that had a loan i never had a loan with this company and they are reporting on my credit of  XXXX  in  XXXX    XXXX   they want remove this inaccurate information please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: TN

Complaint narrative:
XXXX   XXXX   XXXX  this company is making my life a living  XXXX  they are reporting on my credit bureau saying i have and auto loan with them and it has been repossession i told this company before to send me the document stating that had a loan i never had a loan with this company and they are reporting on my credit of  XXXX  in  XXXX    XXXX   they want remove this inaccurate information please 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 2017-04-26 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: First Data Corporation
State: NE

Complaint narrative:
I was issued a debit card from my employer in payment of wages. The card was issued b y Money Network on b ehalf of  XXXX . I tried to use the card and access was deni ed on 3 occasions even though there were more than enough funds on the card to cover these transactions. I was charged {$2.00} for each denial and am charged a monthly maintenance fee. I called to inquire about the reasons for denial of access to the funds on the card and was not given any intelligible answer. I called the customer service number and inquired about closing the account and receiving a check for the balance remaining on the card. I was told I could do that by faxing a letter requesting the account be closed along with the account number and mailing address. I was told it would take 2 weeks to process this request and that a check would be sent to me for the balance.I faxed th e letter, and receipt of the fax was confirmed. I did not receive a check, so I called customer service to inquire about why I had not received the funds. The person I spoke to confirmed receipt of the fax and my request, but could not give me an intelligible answer as to why I have not received the check. When I requested to speak to a supervisor, I was placed on hold and ultimately disconnected. This all occurred in  XXXX  and  XXXX ,   XXXX  . Instead of a check to close the account, the monthly maintenance fee was increased from {$2.00} per month to {$5.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Good afternoon, I am writing because I have attempted to get mortgage modification from bank of america for the last 2 years. I have been denied services however I never knew why. Once speaking to BOA, the company indicated that they are suspecting mortgage fraud and will not proceed with loan modification on property because of this fraud alert on the account. They also will not disclose what I can do to remove this alert from the account to modify th loan. I am asking for you assistance to help me resolve this issue so I can proceed with loan modification to avoid losing my property.   I am willing to provide whatever documents that are needed to resolve this issue however Bank of America is not disclosing documents that are needed to resolve this issue. Please assist me in getting this issue resolved so I can save my home.   My ex-wife had a power of attorney back in  XXXX  when I was  XXXX  and was attempting to get modification on property as she was residing in the property at that time and was not paying the mortgage. We are no longer married and I have since moved on and has assigned and submitted another power of attorney (  XXXX  ) and have submitted a third party authorization in  XXXX  which voided the POA that was assigned to my ex wife. All these were submitted to BOA with my signature and witness by notary. With that being said, Bank of America is indicating this is fraud however it just some life changes. The curren t POA is m y current significant other and has been living in property with me since  XXXX   XXXX  and has been assisting me financially and with submitting appropriated documents to get home modified.   This problem came up again in  XXXX  and since the new  POA was not enough I signed an Revocation on POA for ex wife ( see attachment )

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 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from A R Resources o n  XXXX   XXXX ,   XXXX  . I am requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and hospital/medical provider to which I owe the debt, and a detailed breakdown of the fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability  Act { HIPAA }, to p rotect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical information to a third party.   I am aware that the   HIPAA does allow the release of limited information about me but anything more is only to be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization.
Please provide breakdown of fees includ  ing any collection costs and medical charges. Provide a copy of my identification used upon service and my signature with the provider of service to release my information to your company  AR Resources Cease any Credit Burea u reporting until this debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
I went into  Title Max  ; dealt with  General Manager ,  XXXX , who said he could not do a purchase of a car unless the title was switched immediately. I do n't know if that broke company policy. With the closing it was all done electronically. I did not get a chance to read the disclosure or get a copy of it before leaving ; so I had no rescission period at all.    Two w eeks later when I printed and read the documents the interest rate was over the top.   When payments were due  XXXX  kept calling me at my employment ; I told him I could lose my job if he continued. I was forced to change my number. I was also forced to payoff the loan with the enormous interest rate and the chance of losing my job. I had a friend borrow the money. I paid off the loan on   XXXX   XXXX   XXXX    . Its now   XXXX   XXXX   XXXX   and I still never received the free and clear title that was to be expedited on   XXXX   XXXX   XXXX    .  Title Max bl amed it on  XXXX  and it was  Title Max 's fau lt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I  am one of two truste es that are trying to close accounts for the trust in a trust, funds are at Chase Ban k I am in    XXXX   and the other trustee is in   XXXX   XXXX   chase will not release the funds they said that both trustees must be in the bank at the same time in  person.I a sked if the documents can be sent   XXXX   XXXX   to be notarized and sent back to the bank so I could sign the documents chase refused they said that the other trustee must be in person so sign documents, I feel that is not right as trustees we have been signing documents on line and notarized signatures for other accounts from other  banks.The bank is in   XXXX   XXXX   on     XXXX   XXXX   manager  name  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: CA

Complaint narrative:
Account Number  XXXX  Debt Collect or : USCB AMERICA Date Op ened :  XXXX / XXXX /  XXXX   Past Due Amount : {$260.00} Contact Phone : (  XXXX  )  XXXX  Contact Address :  XXXX   XXXX   XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  CA  XXXX  Original Creditor :  XXXX   XXXX  Account Number  XXXX  Debt Collecto r : USCB AMERICA Date O pened :  XXXX / XXXX /  XXXX   Past Due Amount : {$290.00} Contact Phone : (  XXXX  )  XXXX  Contact Address :  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX   XXXX   XXXX  CA  XXXX   XXXX  Creditor :  XXXX   XXXX  I foun d two collection account posted in my credit account, by USCB Collect  ion . I wa s never aware of this account, i never received single letter or phone call regarding this account. It looks wife visited hospital hospital when we were separated, I was never aware of this account or her hospital visit. without sending the bill and letter debt collector just posted collection account in my credit. I contacted them an d payed in full. still they refused to delete. even though if account will be updated as paid in full, still it will affect 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 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Attached Memo

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On    X/XX/2017      I received a call from a representative of  OCWEN Loan Servicing i ndicating my loan was in default. I had no idea what he was talking about. He told me that my escrow account was short, I believe  XXXX  or  XXXX   XXXX  dollars. I had never heard of such with a loan so old (  XXXX   years old  ). One of the most confusing things about the conversation was he, the representative, could not tell me how he arrived at that figure. Usually the mortgage company will send a copy of the escrow account with how all accounts have been paid, if there are shortages, and when they are due.     Finally, after I saw he could not explain himself, I requested a copy of escrow account to be faxed to me. It took a while for him to get the information. I 'm sure they have procedures in place, but it took him a while to get it together. After a while I told him to fax it to me when he got the documents I needed.     However, I did receive the fax. After I reviewed the escrow account, I could not understand how they came to their conclusions. So, I called for explanations. There were none, that I could understand. I asked several times ; how did you come up with these projections. I was told RESPA allowed them to use projections but he could not tell me by how much. I kept asking, what 's the criteria for the increases? That question never got answered. I know a {$4000.00} projection or {$400.00} a month is unreal, on this property for sure.     Bottom line, my taxes and insurance have been consistent for years. Maybe a little increase here or a little there due to an increase in insurance, but never to the point that payments are increased by {$400.00} a month. That does not make any sense to me.     Not only did my payments go up, but my account is now delinquent. That has never happened before.     Maybe it 's because I have a low balance and in a good neighborhood, and maybe they are using increased escrow as an excuse to cause problem s. OCWEN Loan Servicing bought thi s loan a few years ago. Until now everything has been pretty good.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
After my last compliant with Navient not applying my full payment I now see that they have added a late fee to the Consolidation Loan which is NOT  Late. You will see  from the documents that the payments are do for the smaller loans on the  XXXX  and the Larger Consolidation Loan on the  XXXX .     We as you see from my attached statements that the online system is showing a late fee of {$38.00} for my Consolidation  Loan  is being added even though you can see all my payments were are on time. After my forbearance my first payment of  XXXX  was due o n  X/XX/17     which I paid in full ( the payment include a number of fee which they did not want to properly note on my account ). Now I see that they have added a {$38.00} fee to my  may  bill for the Consolidation Loan account even though I paid the bill on    XXXX   XXXX    in full for the mount of {$690.00}, the other  XXXX  was paid to the other loans that was due on    XXXX   XXXX   XXXX     .     Why does  XXXX  continue not to process payments properly?

Company response to consumer: Closed with explanation