vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit score has been in the mid 700 's ... 750 or so. I paid off a car loan that had been in existence for two and half years. This account with XXXX XXXX was paid on time and no late payments. As was all my other accounts. When I paid off the loan, my credit score with Transunion dropped 97 points. I called transunion and was told I need to use some of the credit I have. I currently have credit cards with balances that have been paid on time. 

I want my credit score adjusted reflect the on time payments that I have been making. I have worked too hard to get my credit score where it is/was. When I paid off the car loan, the other two reporting agencies dropped my score by two or three points. NOT 97 points.

I did what the representative at Transunion told me to do, use some of my credit and I did. I used {$1000.00} on two cards and my score has not changed. I am in the market for a mortgage and this is hurtful to my chances of getting a decent rate. I don't think it's fair that a computer is left up to deciding my credit score. thank you.

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 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
My XXXX yr old son clicked on an icon on XXXX XXXX, my credit card was charged XXXX. This is not the first time it happened the first time it happened I filed a complaint with google, they refused to issue a refund. I took my banking information off their site. I don't know why my banking information was still being retained after removing it. I again filed a complaint for the latest purchase letting them know I did not authorize it. Again they refused to refund my money. Google is doing something illegal with people 's banking information. I have since filed a complaint with my bank and will be filing with other agencies as well. They also have the incorrect last four digits of the debit card information, in their refusal email, but the correct one on their site which I have since removed.

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 2018-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We have been working with Ocwen Ombudsman Office since XXXX. I have submitted to home modification requests, both times they say they never received them. I have asked them for a reinstatement amount owed. They refuse to give this to me. We basically have no information to go on and they have no interest in helping us resolve this. We called our state Florida regulatory agency and they told us Ocwen is the worst to work with and they face many legal challenges. They said that they may not even want to work out even taking they payments from us, that's why they refuse to give us a reinstatement amount. They say they have been under scrutiny for some time and it's easier for them if I just go away. I don't want to lose the house. I just want to know how much is owed, we may be able to pay it today. I want to have a chance to modify. I asked Ocwen if they are unwilling to modify what else are my options, they said we will foreclose on your house we do thousands a day. This isn't fair. I just want a fair resolution and them to actually do something honest. I may be asking for to much. What other options do I have to force them to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Please see complaint # XXXX " Notwithstanding, we have placed this account on hold and requested verification of the account from our creditor-client. It will be sent to Mr. XXXX if and when it is received. We trust this resolves your concerns. '' XXXX XXXX XXXX. 


I have waited nearly 55 of the 60 day feedback period. I have received none of this information. Again, I have received no phone calls or letters and would like to see proof of phone contact and any previously dated postmarked letters. 

The burden of proof lies on XXXX XXXX and no documentation has been produced. I have patiently waited another 55 days for the promised follow up and have received nothing. Not too mention the several months of damaging improperly filed collections. 

My previous complaint went nowhere. I wish to resolve this and discontinue filing complaints. However, I will not cease until this matter is resolved. An ideal outcome would be the erasure of this illegal reinsertion of a previously defunkt collection claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC
State: FL

Complaint narrative:
XXXX XXXX rented or leased me a storage unit that leaked water during rain. 

When discovered, I moved out of unit. 

XXXX XXXX notified me that I still owed {$140.00} for being in leaking unit ( 2 ) days of the following month. 

The debt was turned over to a collection agency named, AlliesInterstate, LLC. 

Upon contact with this agency, I was offered a {$70.00} payment to settle the {$140.00} claim and I accepted and paid by credit card. 

Upon renting another unit at XXXX XXXX, I was required to pay the remaining {$70.00} of the {$140.00}. 

AlliesInterstate lies to me and misled me as to the settlement terms.

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 2018-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
Roundpoint mortgage Co. established an escrow account to pay my insurance without my knowledge, or authorization. 
They issued payment to my insurance co. without receiving an invoice from them. In several months Roundpoint, has not been able to resolve the problem. They appear to be sincere about fixing the problem but can not get it done. They have not to sent the letter requested by my insurance co. ( letter head memo requesting the money be returned ). My insurance co. has been waiting for several months for the authorization to return the money. They have no problem in returning the funds, but require the written authorization.. 

Roundpoint is now sending me late fee notices and requesting I pay the funds back. Rounpiont has agreed that it is their fault. I have continued to pay the amount of the mortgage payment but not the added amounts for the escrow account. I pay my own insurance by bank draft from my checking account. 

Please help!!! If you look at their reviews on line you will understand what I am dealing with. 

XXXX 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 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
A representative from Hunter Warfield call me attempting to collect a debt. The debtor shared a name with me, however it was for an apartment complex in which I have never lived in. When Inasked how they got my phone number as I was fearful it may have been identity fraud that I needed to deal with they would not tell me and became rude. I assume they XXXX  my name and found my number associated with it. I was seeking confirmation that the company that they claimed I owed the debt to had or had not provided the phone number. 

I am very protective of my credit information and wanted to make sure it was not identity theft, otherwise I would need to deal with that immediately. Hunter Warfield refused to provide me with confirmation after they called me multiple times telling me I owed a debt that I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
Southwest Credit Systems has been attempting to collect an amount of {$84.00} for the past month and has now negatively impacted my credit by reporting a delinquency to the credit bureaus. I did not receive any calls, emails, or mail about it -- I learned about this from a credit monitoring agency. I called Southwest because I could not tell what this debt was for or who was claiming I owed it. They told me it was from XXXX for a charge from 2015. Apparently both they and XXXX were mailing information to the old address where I used to live and received the service but have not lived since 2015. I was never delinquent on a bill so I don't know where this is coming from. I have not seen any mailings informing me of this debt, and I do not think I have received any calls because no one has left a message. 

Southwest mentioned -- and I do remember -- that a couple years ago, a different collection agency attempted to collect some XXXX-related debt from me, though I do not remember the details from that event. I believe I filed a complaint at the time because I similarly did not recall being delinquent on any payment, let alone one from so long ago. 

I do not know why this has arisen and I do not know why it is suddenly an issue over three years after I moved from this address and closed out this account. I do not have any documentation because 1 ) this was from three years ago and 2 ) I closed the account because we were moving away from the address so I do not know why either Southwest or XXXX was sending me mail there, as they claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My checking and saving account were frozen as a result of the investigation being conducted by the XXXX XXXX Sheriffs Department. After the conclusion of their investigation $ XXXX was seized. The account remains frozen subject to an investigation by the United States Secret Service Department, XXXX Branch, investigation agent XXXX XXXX ( phonetic spelling ). My attorney who is submitting this complaint on my behalf was told by the XXXX XXXX that they had concluded their investigation and authorizes the release of all funds. When my attorney informed me of this, I attempted to obtain by funds and found that Saving Account is released but Checking account is still Frozen. Bank of America Customer Service is not giving any information about my Checking account. As a result I am filing this complaint.

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 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have been trying for years to resolve two fraudulent accounts opened in my name with XXXX XXXX XXXX XXXX. I have even paid with settlement amount to pay one of the accounts that did not belong to me to resolve negative effects that i have been suffering since this negative accounts are on my credit report. I am a XXXX XXXX. I can not pay someone else 's bill due to my limited income. I am poor, and just can't do it. XXXX XXXX XXXX has done nothing to correct these errors. I have requested validations for both of these accounts. XXXX XXXX XXXX has sent none because there is none. I have even sent in police reports on several occassions. I am tired of suffering from the hands of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal Credit Union reported me late on a credit card that does not belong to me, I am an authorized user only. I never signed anything saying that I would be financially responsible for this card.They reported me late, and when my wife called, they advised me that they reported me as an authorized user, and would not be able to correct. My wife had me removed as an authorized user, but I need them to go and fix my credit report. You can not report on an authorized user, because I never had financial responsibility for this card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Used PayPal to transfer money and was advised that there was a cancellation policy. The policy is purposely misleading. There is no cancellation policy at all. Not only is there not a cancellation policy but the refund policy is extensive and takes 90 days. 

I was advised to have my bank do a reversal and my bank stated that there is no such thing as a reversal. I called back after speaking with the bank and the supervisor ( XXXX ) was rude and dismissive and hung up the phone. I called back and placed on hold for an indefinite amount of time. 

Preying on consumers and purposely holding onto their funds extended periods of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX Opened XX/XX/2018 {$150.00} Original creditor : 11 XXXX Was settled with original creditor, and TransUnion will not remove it ... yet XXXX and XXXX has ... 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all  information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Company accusing us of not having insurance and trying to make us pay for their insurance. Our provider has contacted them. They have a long standing of fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
On XX/XX/18 I visited XXXX XXXX to get my routine service done to my vehicle. Upon waiting, a salesperson asked me would I be interested in learning about other options. I said yes and he asked me for my current vehicle information. He said he would run some rates and would not pull my credit report. I decided to not move forward on any vehicle however the next day I see there was a hard inquiry on my credit report from Mercedes Benz Financial Services. On my credit report it states XXXX LA and Mercedes Benz FS which are the same entity. There are several other hard inquries from my previous lease from both XXXX XXXX and Mercedes Benz Financial Services which are the same entities as well. In total, there are 4 separate inquiries from Mercedes Benz Financial Services and there dealerships, two which are two years old. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt  have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court ordered or requested by a state or local government agency in relation to child support. I never gave the recent entity written approval to pull my credit on XX/XX/18 and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION
State: PA

Complaint narrative:
My XXXX XXXX XXXX was stolen and the insurance company paid the claim. After the insurance paid the claim I was still left with a balance. In XXXX I made a settlement and upon payment this debt was to be removed from my credit report. This is causing me not to be able to get a vehicle.

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 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a laptop computer from XXXX with my Discover card. The brand name is XXXX. The computer did not boot up - it was defective, showing a blue screen and error message. We called XXXX and they were supposed to send a CD that could correct the problem. It was never received. I decided I needed to return the computer and obtain a refund. 

I contacted XXXX from which the computer the purchased. Amazingly they reported they had no history of the transaction. ( A few months later they were able to locate the purchase. ) I contacted Discover. They agreed to look into it and gave me a temporary credit in the amount of the purchase ( {$1000.00} ). It posted on XX/XX/XXXX. 

I have contacted Discover by phone and utilized their email dispute service. I have uploaded information indicating that I returned the computer to XXXX on XX/XX/XXXX. 

I uploaded a letter from XXXX indicating a credit was issued to my Discover card on XX/XX/XXXX, XXXX says their investigation is complete and I owe the money. This is absurd and certainly not in keeping with Visa or Mastercard 's  practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I was told that refinancing my home would lead to a principal reduction and my new term would pay away at my principal faster. When everything was said and done, the principal amount went up and I am further behind than I was prior to the refinance. This was not explained to me thoroughly. Penny Mac has failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: CA

Complaint narrative:
Navient services some of my student loans, XXXX XXXX services the rest. Recently, I requested a revision to my payment terms because my income changed significantly. I did this via the Studentloans.gov site as requested. XXXX XXXX handled the situation immediately and revised my payment terms. To date, Navient has does not appear to even reviewed the situation and I have payments due, which I can not afford ( why I was requesting the revision in the first place ) in two weeks. They do not appear to know what is happening with my account, and calls to their customer service result in my being placed on hold multiple times why they 'review my account ', but they never seem to be able to resolve the situation. 

Navient has caused multiple problems because their staff doesn't appear to know what they are doing. They never sent a request for any information from me related to this latest request of mine, and now they are telling me to 'just send most recent proof of income '. Well, they don't know what, specifically, they want me to send and they can not tell me where to send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: KS

Complaint narrative:
Received written communication from XXXX  XXXX regarding alleged medical debt. Information provided does not substantiate or verify debt on my behalf. Asked company to " cease & desist '' debt not owed. Repeated attempts by collection agency ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Every day I receive threatening calls telling me to let XXXX XXXX know and that I must take action on his behalf. I do not know the person they are calling for. I do not know how they got my number. They call from various numbers in different states. They know they do not have the right person but keep harassing me and leaving harassing voice mails that I have saved. 

The have called from : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief