vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-13 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: Midwest Recovery Systems
State: OH

Complaint narrative:
Recieved payday loan amount of XXXX from. Filed bankruptcy in XX/XX/XXXX and asked rep at XXXX   XXXX XXXX would this effect my credit No was her answer and now XX/XX/XXXX this inquiry is there. Midwest recovery was the creditor that was listed on the credit report however I've never heard or been contacted by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Recieved payday loan amount of XXXX from. Filed bankruptcy in XXXX and asked rep at XXXX XXXX XXXX would this effect my credit No was her answer and now XXXX this inquiry is there. XXXX XXXX  was the creditor that was listed on the credit report however I've never heard or been contacted by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
On XX/XX/XXXX between the hours of XXXX, I went to ACE Cash Express located on XXXX XXXX, XXXX, Ohio to apply for a loan ( hoping to be approved for {$600.00} ). After giving my information and proof of income, the loan agent XXXX informed me that I was pre approved for {$100.00}. I apologized and stated that I needed approximately {$600.00} and that it was okay, I wouldnt be taking the loan out then. She repeated back to me, So you dont want to do it? I confirmed, No, thanks. She then had me sign one more document and told me I was all set. I then left the store. XX/XX/XXXX I received an email from ACE Cash Express stating that my loan was past due and was being transferred to collections. This was a surprise as I had asked the agent who helped me ( XXXX ) to cancel the loan. I called the store the next day and another agent ( XXXX ) answered my call. She notified me that yes, I had indeed took a loan out on XX/XX/XXXX for {$160.00}. That would have been the {$100.00} plus fees. I told her that was impossible because I left the store that day with no money. She further explained that I had been paying my balance down some how because now my total was {$100.00}. I expressed again that I did not leave the store with any money and no money is being taken from my bank account from this establishment. She then stated she would have her GM look into it and call me back. I didnt hear anything back from that. I then called customer service and collections, no one could help because there was no proof I didnt leave the store with money the day I went to apply. So customer service put in a request to have the district manager call me. XXXX called me promptly the next day and stated she would investigate and get back to me the following Wednesday. Wednesday arrives and I give XXXX a call, she stated that she had gotten her boss involved and she was going to the location the next day and will get back to me after her visit that day. I never heard any else and have tried to contact her and the store. I am not happy and do not feel safe with my information at this establishment and find it absurd that no one can figure this out as it is as simple as reviewing the security camera film from that day. I now have a loan in collections that I said I didnt want ( at the amount that was offered ). I feel something inappropriate occurred and now it being covered up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM EQUIFAX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
XX/XX/XXXX : XXXX XXXX refinanced our loan at 8 % a variable interest rate. We signed loan documents ( under extreme pressure to keep our home ) on the day our contract would expire with the seller. We had the intention of refinancing just as soon as possible. The advice we were given was we MUST wait for 1 year to refinance. 

XX/XX/XXXX : Applied for a modification. Current on payments. Credit Score XXXX Missed XXXX payment in hopes the MODIFICATION would be approved. We called several times during the month to check on progress and to make sure SPS Servicing knew how committed we are to keeping this house. 

XXXX XXXX : Numerous calls were made to check on the status of our Modification request. When two payments were missed {$6000.00}, it was impossible to make up. SPS servicing representatives assured me ( documented calls ) everything would be fine, they would work with us, help us keep our home, not just come and take it. We received multiple letters in the mail, informing us there is nothing to do but wait. Meanwhile, our outstanding balance became over {$15000.00}. We now believe this process ( 6mths ) was due to how long it took for SPSXXXX XXXX to determine the property value. As soon as it was estimated we have over {$100000.00} in equity we received a DENIAL letter. 

XXXX XXXX We received a letter denying our MODIFICATION requests for the following reasons : Investor/Guarantor not participating, insufficient recent payments and inadequate funds. The two options we were offered ( 1 ) Short sale ( 2 ) Deed in lieu of foreclosure. They gave us 30 days to bring the account current. 

XXXX XXXX hired a law firm to help with the modification process. 

XXXX XXXX received a full refund of our retainer as the law firm was unable to get the company to budge. At the end of the month, We contacted the XXXX XXXX XXXX and applied for XXXX preservation benefit, past-due mortgage support ( XXXX ) with a representative ( XXXX XXXX XXXX ). 
I have been paying down my debt, my student loan ( {$80000.00} ) and have some cash saved to pay into the mortgage. Even if I pay in full, my credit is below XXXX and we have a history of 7 months of LATE mortgage payments. I do take responsibility for not making my payments as agreed, but we were in constant contact with SPS servicing who assured us they could help and would not take away our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, TRANSUNION, 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 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX XXXX EXPERIAN

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 2020-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called Capitol One and explained that they submitted old information to XXXX on XX/XX/XXXX. The Capital One account that Capital One submitted under the heading " Adverse Accounts '' was from a card back in XXXX account # XXXX which had a 60 day late payment. This was in XXXX. Why would they report this as this is 7 years old and my present Capital One card has a perfect payment record for the past 5 years? I called Capital One and they refused to give me the department that does the reporting and they stated that the " the department was not taking calls '' I would have to start a complaint with Capital One which would take 30 to 45 days. This could be solved in one phone call. So now I have a complaint process against XXXX with your agency. I have to put in another complaint thru Capital One, XXXX did not allow me to " verify '' myself with their complaint process, so now I who didn't do any thing wrong has 90 things with 3 different agencies all of which take up to 45 days to straighten out. This is the most convoluted, confusing frustrating thing that that I have to go thru to clean up a mess that I didn't create.Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: AES/PHEAA
State: NY

Complaint narrative:
XXXX XXXX XXXX is denying me the full credits I have towards the 120 payment requirement. I am being credited with 24 payments when I should be at 84 payments. 

The website had been down on several occasions and there was some sort of glitch when I repeatedly tried to set up my direct debit. I contacted the company and explain that I have a other health impairment that is directly impacted when I could not set up the direct deposit. 

The company 's reply was that I had never informed them of my XXXX and therefore, there was nothing they could do. I responded that I had put that information when I applied for the loan with the agency that I originally held the loan with, however, I was never told that I needed to continue to provide that information when my loans were transferred to FedLoan Servicing. 

Fedloan has had no response and I have sent the letter to them multiple times over the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Attempted to call to work with this bank but I can only get someone in the XXXX. I want to speak to someone in my country. Please have someone call me so we can work together

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 2020-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I do banking with Capital One through the banks mobile app. I have a payment due on the XXXX of each month and I schedule the payment through the app. On XXXX XXXX, 2020 I received a notice to update the app and I had problems updating the app. I called the bank to ensure the payment was scheduled to be processed. I was assured the the representative that it was scheduled. Three days later I received a notice from the bank that I was late. I called the bank and was told they did not see where it was scheduled. I talked to several supervisors with no resolution. I made the payment again. I received another email stating that my credit card purchases may be declined. The next day I received an email from the bank saying they researched the issue further and discovered the problem was their fault. I went to a local branch to payoff the card and close all my accounts. A lady at the bank called the credit card department to get the {$25.00} late fee returned. The supervisor in the credit card department refused to issue the credit and mislead me twice and two women at the bank branch heard the supervisor mislead me. I still have not received the credit. I feel sure the bank will use this false late payment to raise my interest rate and post the late payment to my credit report. Attached is the letter from the bank admitting the bank caused the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC
State: TN

Complaint narrative:
" Security Credit Systems " has harrassed me for several months seking to collect a debt from a third party. they have ben told repeatedly i am not the debtor, nor will i give them any information on a third party. they have been asked by me to stop calling 5 times.they call from this number XXXX XXXX XXXX most recently XX/XX/XXXX at XXXX XXXX  and then again on XX/XX/XXXX XXXX XXXX  on my cell phone. ( XXXX XXXX XXXX ) they have also called y wif'es phone each time they have tried mine, she is not the debtor, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I visited XXXX XXXX for a tour. I was asked to sign a few documents before the tour, and I was asked for a debit card, and ID prior to the tour for what they claimed was " Insurance Reasons ''. After the tour, I was charged {$250.00}, and the same day I filed a claim with my bank. Since then, I've contacted the company in question and they claim I need to request a cancelation, and it takes 30 days after the cancelation request for it to be in full effect. They claim I would need to pay that initial fee, and then one month of service, then it could be cancelled. I tried to request a block on payments from that company, but my bank claimed that was not possible. The next month I called, and asked again, after another payment had been taken out, and they finally did block payments from that company. That was after 3 months of charges. Yesterday, on XX/XX/XXXX the chargeback was reversed, which put me in the red, and I am now expecting at least 2 overdraft charges. According to my bank they aren't willing to move forward with this anymore. Hence being here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My understanding is that the XXXX  error reporting delinquencies has been corrected. My credit score still hasn't moved. Also, there is still a note that lender closed the account. The account was closed because of the bank error. I would like that note removed from my credit report.

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 2020-01-13 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: CT

Complaint narrative:
My understanding is that the XXXX  error reporting delinquencies has been corrected. My credit score still hasn't moved. Also, there is still a note that lender closed the account. The account was closed because of the bank error. I would like that note removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: CT

Complaint narrative:
My understanding is that the XXXX error reporting delinquencies has been corrected. My credit score still hasn't moved. Also, there is still a note that lender closed the account. The account was closed because of the bank error. I would like that note removed from my credit report.

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 2020-01-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX Someone opened a XXXX Account under my name and Social Security number. XXXX Account # XXXX, Amount {$3400.00}. This is fraudulent. I contacted XXXX, filled out their fraud packet, filed police report, notarize documents and sent to their Fraud Department. 

In XX/XX/XXXX Convergent debt collectors ( Converget Account # XXXX XXXX XXXX ) contacted me. 

XXXX did not file the fraudulent packet correctly, placed me in collections, and now my credit is XXXX down from 800s - which is holding back my life. 

All documents attached.

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 2020-01-13 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: GA

Complaint narrative:
My social security number was stolen from me to open accounts in my name fraudulently. The accounts that are opened in my name are XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX   that are inappropriately reporting to my credit file.

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 2020-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern, Sir I am just writing you this letter letting you know how I feel this is not to trash any body but at the same time I don't to be unfairly treated either now when you purchase a product on the internet the vendor give you a 100 % money back guarantee with 14 days to 30 days for a refund for whatever reason if you don't like the product, And this is what I am complaining about also when you make a one time payment on a product you are entitled to that product for life meaning you should have access to that product Now in the case of XXXX  the two products that I bought one for {$490.00} and {$290.00} after a few  months they cut of access I have emails proof that I did tell them and I find that multiple times that I don't have access they keep saying that I do but when I check it is nothing that is why I went Capital one because I don't have the product and I don't have the money and all I wanted was access because I new that the 30 days had already past so if I don't have access GIVE ME BACK MY MONEY also XXXX XXXX was 14 days money back guarantee I should have gotten that refund but every time that I call or get a letter from them it is always the same thing also with the {$390.00} also they both were within the time frame for a refund but they would ask you did you cancel SIR ONCE YOU ASK FOR A REFUND THAT IS A CANCEL because it is a one time payment, if how ever you have a recurring payment THEN AND ONLY THEN YOU CANCEL but Capital one keep asking for proof of cancellation and also bring in a second opinion I did but they rejected it they wanted it with a letter head when I did get a letter with a letter head they said that the time has pass and there can not do nothing for it Sir my point is I BOUGHT THESE PRODUCT WITH A 100 % money back Guarantee and I was within the time period why did Capital One make me LOSS all my money on CRAP when the Vendor Had A 100 % Money back GUARANTEE if you the Customer Did not like the produce for any reason SIR I WOULD LIKE TO KNOW MY RIGHT ON THIS Because Capital One Is Making The 100 % money back Guarantee None and Void THIS IS MY COMPLAIN BY right I should have gotten back my money because I file before the expiration date that should be a simple thing I WANT MY MONEY BACK CAPITAL ONE IS GIVING VENDORS MY MONEY AND THEN I STILL HAVE TO PAY THEM BACK IS THAT FAIR I HAVE A LEGAL RIGHT TO A REFUND

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
XX/XX/XXXX This is a response to your response to compliant # XXXX To our knowledge the land lease contract ended on XXXX XXXX XXXX ... Replaced by our mortgage agreement with you. 

If your claim that we do not have an FHA Loan why are we paying ( PMI/MIP ) Insurance in varying amounts from XXXX every month to XXXX a month? 
I spoke with a claim representative of yours this morning named XXXX, who claims that identifies the mortgage to be indeed be FHA ... 
If you are claiming that the taxes were paid why do the tax documents show something different> Doc attached If something other than an FHA Loan occurred after XXXX ! st it was done without our knowledge or consent. If you attempt to file foreclosure during th is process ... of discovery which is underway, while documents are collected It will be exposed ... 
You make false claims like when you claimed that I missed 2 years of mortgage payments on my credit report. 
You are charging us XXXX pr mon. for taxes and that equals XXXX on an XXXX a year tax bill,,, which is double..You claim we can not pay our own taxes because it is FHA yet now you are claiming it is not FHA ... In the meantime you could settle this amount on the taxes until the rest is sorted out. The tax document would not scan so I will fax them.. 
XXXX XXXX

Company response to consumer: Closed with explanation