vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: CO

Complaint narrative:
I was contacted by RentDebt Automated Collections LLC in XX/XX/XXXX about a debt listed under my name to a previous apartment complex ( XXXX XXXX XXXX ) that I had resided in between XX/XX/XXXX to XX/XX/XXXX. The company claims that I owe around XXXX $ due to apartment cleaning. When I asked them to provide proof that the debt was mine, the only evidence they could send me was my signed lease, which I do not consider proof that I owe this debt. 

The address they have listed on the itemized statement is incorrect, and lists an entirely different apartment complex and apartment number. I have never lived at this address, or rented from that property. 

A month before moving out of the apartment complex, I made sure to pay in full, as well as give XXXX XXXX XXXX my correct forwarding address as well as my cell phone number and email address. I have not changed any of my contact information since then, so XXXX XXXX XXXX could have contacted me at any time about this. I have not heard from them in the year that I have been gone, nor do I have any record of them calling me on my phone records. This debt has been quietly effecting my credit score for a year, which is very upsetting. 

Further more, I believe that this debt company sold my information, as I now am being harassed by scam numbers daily. It is not uncommon to get as many as 14 calls from a single number IN A SINGLE DAY. It is effecting my personal and work life, as my phone constantly rings. Not only am I getting spam calls, after sending a written letter for RentDebt Automated Collections to cease contacting me, they continued to contact  me via phone call about the debt. I will be willing to provide my phone records if need be. 

I will uploaded all documents pertaining, including my letter of denying the debt, as well as their mailed documents to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: CA

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of  the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. l went home to check my credit report and found some items that are not mine listed as inquiries. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX**** XXXX to XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX**** XXXX to XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: WA

Complaint narrative:
First I want to lodge a complaint that when I called the CFPB phone to talk with someone ( XXXX ) My cell phone says I was talking to " XXXX XXXX XXXX '' at ( XXXX ) XXXX. 

Second, after a couple of extensions PrimeLending missed my closing by date on the latest extension ( last week ) and now they are requiring me to signup with " XXXX '' system to provide them with my user name and password for my checking account so they can directly access my account statements. 

I called my bank and they said don't ever give my user name and password to anyone. 

XXXX at CFPB could not tell me if a lender can " require '' me to enable such a data breach to my personal bank account. PrimeLending ( via Loan officer XXXX XXXX ) is also requiring me to provide user name and password for W-2, payroll and IRS tax accounts. Sounds like a scam. 

They also want me to agree to have a conference call where I disclose my security confirmation information so they can verify a loan has been paid - - note the loan was paid off at my bank and they would have all the information to steal my identity and money if I give all of this to them. 

Is this something they can force me to do? Need help right away!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Re : XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, TX XXXX There are 2 Hard Inquiries on my XXXX credit report that I did not sign for, or authorize. I did not apply for credit with this company. The inquiry date are as follows : XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Need to report fraud-for-profit by lender NewRez LLC NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX, whom, 60 days after my loan payoff is refusing to refund my escrow account of {$6400.00} ; without excuse and without basis. Advised to contact FTC.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK
State: AZ

Complaint narrative:
1. I have two Discover accounts and both have different FICO score disclosures on my statements. I would like an explanation on the different FICO scores. 

Account ending XXXX ; Statement closing Date XX/XX/XXXX, XXXX ; FICO XXXX Account ending XXXX ; Statement closing Date XX/XX/XXXX, XXXX ; FICO XXXX 2. Additionally under the Military Lending Act/SCRA act my interest rate should be 6 % effective XX/XX/2019. Requesting a refund on my interest charge difference. 

3. Please change my last name to XXXX and reissue both cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
My mortgage with Flagstar Bank was refinanced on XX/XX/19 - and paid off, in full, by the XXXX of XXXX. I was therefore entitled to receive my escrow balance ( over {$1700.00} ) paid back to me within 30 days, per RESPA guidelines. 

However, I never got an escrow refund. They stated that a refund was sent out on the XXXX of XXXX, but I never got a check. I called back week after week, and they kept telling me that they would cancel the previous check and issue to a new one - to no avail. I called today and they seem to have no idea what I'm talking about. I want the money that is owed me. And I want them to answer for the interest they're making off of it every day since!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was on my lunch break from my job I went to XXXX XXXX at this location XXXX XXXX XXXX, XXXX XXXX, CA XXXX I tried to purchase food using my discovery checking account card the transaction have failed but I called Discovery that day it was a pending transaction it told me to wait till it process and post then I called them back today it told me that nothing they could do told me to go back to XXXX XXXX I talked to them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. l went home to check my credit report and found some items that are not mine listed as inquiries. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-26 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: CA

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. l went home to check my credit report and found some items that are not mine listed as inquiries. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I received a letter, on XX/XX/XXXX stating that my Automatic payments have been canceled because of a various list of reasons. This is not personalized to me. Just a general form letter with my name added to it. 
I called the PHH Mortgage Company after XXXX and talked to a foreign speaking man who said his identification was XXXX.Phone # XXXX XXXX He said they needed information on my bankruptcy from XX/XX/XXXX, a reaffirmation form. Stating that the present house I am living in was not confirmed as to whether it was listed on my bankruptcy. I have been paying on this house for 13 years, it was bought in XX/XX/XXXX. Thru EFT from my bank. Now they have canceled that because I had filed bankruptcy in XX/XX/XXXX. Why??? No he could not answer that after 13 years, they are doing this. But they want a copy of my bankruptcy report to prove that this house I am living in and not ever missing a payment is not on that bankruptcy. I am fearful that this is a scam. I do not trust what they are doing and I did not do anything wrong. My credit score is close to excellent and I have not missed payments. The bankruptcy copy cost me {$180.00}, plus {$6.00} shipping I am still waiting on in mail. I would like some answers as to why I am targeted after 13 years of good compliance to there loan. I am planning on getting legal advise also. I have called several numbers to get to this place to file the complaint. It is very upsetting to go thru this, as I am a senior citizen. Maybe why I am targeted, but I am not stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: MD

Complaint narrative:
I think someone tried to use my information to purchase credit cards. And Im not the person that applied for it. I would like to have all inquiries that i didnt put on my credit report deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2019 I contacted Chase Bank, to speak about a settlement. I spoke with an associate and supervisor about paying a set amount for the removal of this account. Due to me being hospitalized, resulting in a XXXX XXXX XXXX. I am now XXXX and can not work, so this was crucial to the decision to pay said amount. Fast forward to XX/XX/XXXX and to my surprise its still showing. I called Chase yet again to only be met with their representatives accusing me of lying and continuous blatant disrespect. As soon as they find out Im XXXX ; Im treated as though I have little to no comprehension. Supervisor XXXX # XXXX was not only intent on not helping me, but shes sorry Im too sensitive and cant understand her.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Upon reviewing all the credit reporting agencies files on myself, I discovered two major errors and I have already filed a complaint with your organization about one of them which is reporting that I owe a student loan. This one is about an auto loan that was paid and discharged in my Chapter XXXX case in XXXX. 
On or about XX/XX/XXXX, almost four years after the Chapter XXXX plan was completed and discharged, the XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) reported that I still owed {$320.00} on said auto loan that was secured in a Chapter XXXX plan filed in XX/XX/XXXX and successfully completed and discharged in/about XX/XX/XXXX. I went in person to the bank and was told that would be handled by the Asset Recovery department and they did not meet with account holders in person. I was given the name XXXX XXXX and a phone number ( XXXX XXXX XXXX to call and discuss the matter with. I called him from home & left a message. He called me back the next day and I explained that the auto loan was in fact in the Chapter XXXX plan that was completed and that the charge off of {$320.00} was not accurate nor should it be on my report. He said he " fixed '' it but it would should show a charge off and hung up. I am filing this complaint in response to XXXX XXXX XXXX XXXXXXXX XXXX XXXX putting inaccurate financial information on my credit report and seek to hold them liable for damages to my credit score and file and for them to remove any and all financial information that was paid or handled through the Chapter XXXX completed and discharged plan. 
Thank you for your assistance in 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 non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
XXXX Our bank took funds that they never tried to investigate. 
Union Bank XXXX XXXX XXXX XXXX, California XXXX They didnt provide proof of names, photos, times, or people that they attempted to contact. I asked for all of this information and they provided nothing. I filed a police report, XXXX complaint, FDIC complaint and now CFPB complaint Ive tried my best to work with the company, and I got nothing in return. I asked for proof, and I received a letter stating, the payment cards are ( NEARLY ), impossible For a criminal to counterfeit ***** NOT DEFINITELY!!!!! 
Im in charge of my daughters bookkeeping, I was very ill for 3 months. I missed the debit taken from our account. Its her money, I had a card for emergencies. We put gas the night before we had to be at the XXXX XXXX in XXXX XXXX, Ca. It was an unfamiliar gas station. My daughter stated that criminals put something in the slot, so they can steal info. My ex spouse is XXXX and has XXXX XXXX XXXX. Theres no way possible that anyone of us, including our daughter, that would attempt to go to a mall in XXXX, Ca. Its a nasty, XXXX city. People are killed on a daily basis. I was 5-6 hours late to XXXX XXXX. My ex took the wrong bridge. He could never go to XXXX and find a mall, yet alone walk. Nor, could I. He worked in the XXXX XXXX XXXX XXXX, since our daughter was born, and he had us going in circles. I reported it, when I looked at her statement, later when I was a bit more clear minded. The account is in both our names, I do all of her book keeping. Im not letting the UnionBank get away with this petty nonsense. Im sick, though I will fight for my daughter until I am ashes. I know It is a small amount, its not their money. Its criminal act for them to not provide proof, and take her money! After she was subject to a XXXX criminal. Who committed fraud at a mall we know nothing about. UnionBank is an unscrupulous company. I advise everyone not to do business with this company. 
Its not about money. Its about integrity. UnionBank has none. I left my # with the manager to return my call. They didnt, and proceeded to hang up on me 7-8 xms. 1 with a huge gasp, as if annoyed. I filed a complaint. I have 6 - 7 complaint numbers filed with 6 - 7 different agencies. Closing our account after I am done with all of the agencies I can find to file with. Do not let any company believe that you as a consumer, are going to allow them to get away with unscrupulous business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Upon reviewing my credit report I've multiple inquiries that were not authorized by me. The unauthorized inquiries are as follows : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX Navy Fed Credit Union. XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC
State: KY

Complaint narrative:
Opend loan XX/XX/XXXX, lost my job after a year of payments. Auto was repo 'd. Never received any letters from Prestige Financial. Not sure if auto was sold. But the past due amount increases each month since XX/XX/XXXX. I have disputed this account through the reporting bureaus, it is validated each time. I disputed directly with Prestige Financial asking for paperwork proof, they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: TX

Complaint narrative:
I have sent many letters to Summit Account Resolution to ask for verification of the debt, and Summit sent a letter stating that the account was verified, with no proof of me owing them. They did send a itemized letter with an address that I never lived at. I also reached XXXX about this and they only letters I recieved from them was stating the account was verified, but also had no proof of verification. I sent XXXX   and Summit many letters over a course of a year to send me proof of verification, not once have I ever gotten proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief