vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: ME

Complaint narrative:
Complaint purchased a house, XX/XX/XXXX, on an illegal lot, no disclosure. 

On XX/XX/XXXX I entered into a purchase and sales agreement with XXXX XXXX to purchase the home I'm currently living in for XXXX. I live in Maine. Maine is a full disclosure state. Meaning if I'm buying a house thats on an illegal lot then that information needs to be disclosed to me in my purchase and sales agreement so I can back out or not. Nobody disclosed this, I just found out this information recently. I wouldnt have purchased this home if I was aware there is a material defect on/with the property, illegal lot. Its not worth anything. This is fraud and I've been scammed. Rocket Mortgage is aware of their mistakes and won't do anything to fix it. 

I have documentation to provide my statements are accurate. 

Evidence XXXX. Purchase and sales agreement. Nothing about purchasing illegal lot. Maine is a full disclosure state. I received no disclosure XXXX. Property Description from taxes accessor 's office. XXXX acres it what I received. 
XXXX. Email between Attorney and City of XXXX XXXX regarding Urban Residential Zone lot standards developed in XXXX. XXXX square feet is the standard. My house in on XXXX. I'm on an illegal lot with no disclosure. I'm been scammed and this is fraud. My documents don't match what I got.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
With the announcement of the new PSLF Waiver program, I submitted my first PSLF application on XX/XX/XXXX. It was denied on XX/XX/XXXX because my loans were XXXX loans up to XX/XX/XXXX. For that reason, the servicer declined to verify my XXXX years of non-profit employment, but did note that one verification would require a wet signature. 

Assuming that Fed Loan Servicing had not updated its review process to the terms of the waiver, I resubmitted by PSLF application- with wet signatures from all employers- again in XXXX. I also filed a complaint with Student Aid .Gov, and I received a response stating that my servicer would need time to update their review process. I received notification on XX/XX/XXXX, that my second PSLF application was received. 

After waiting 3 months, I call Fed Loan Serving. I received a call back and the agent told me that my second application had been rejected, but that she could not access the file to tell me why. I stated that I had not received a copy of the rejection nor was there a copy of the rejection in my online account. She said she needed to transfer me to a PSLF specialist. I had to hang up because I was at work and I had been on hold for over one hour. After the call, I uploaded complete copies of my payment history for my loans, and I received a form letter XXXX days later stating that my PSLF application was received. This was the same letter I received twice before. 

I have been employed with nonprofits for over 20 years and have made more than XXXX payments towards my loans. I was ill-advised to consolidate my loans to XXXX loans, and now with forgiveness in sight, Ive lost all faith in my services commitment to process my waiver and the Department of Educations oversight of the process. 

Can CFPB help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
These following account below are appears to be a charge-off account with a specific balances. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX XXXX  XXXX Bureaus. As per FCRA, the XXXX, XXXX XXXX  XXXX bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm these accounts. 
ALLY FINANCIAL XXXX Balance {$73000.00} ALLY FINANCIAL XXXX Balance {$20000.00} ALLY FINANCIAL XXXX Balance {$0.00}

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 2022-02-21 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I have a collections account that hit my credit report in XX/XX/2021 from an XXXX XXXX XXXX XXXX account that is not mine. The collections account is from Sunrise Credit Services and is hitting my XXXX credit report. I have filed several disputes with XXXX and it keeps reappearing. I have also called Sunrise Credit Services but that has gotten me nowhere.

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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
( UNFILED ) Hello XXXX XXXX, Experian the CREDIT REPORT AGENCY keeps signing me up for services I did not sign up for. This will be the XXXX time Experian signed me up for member services that I did not consent to! I am now demanding 1000 $ from Experian within the next 14 business days for signing me for something I did not consent to!! XX/XX/XXXX I received a WELCOME BACK TO Experian Email! Welcome back where? I'm so confused! This is not the first time they've done this! So every time I speak with your company via phone I record the conversations. I listened to all the recorded conversations and during the conversation I stated I do not want to sign up with member services! Experian is a SCAM. Also in the fine print what Experian don't share with consumers is that if one sign up with member services, Consumer is signing their rights away to SUE Experian! Experian do not share that with consumer 's. I stated before during the recorded conversations I only want to be notified via mail! I told Experian atleast XXXX different times to remove my email from the database! WHY DO EXPERIAN STILL HAVE MY EMAIL ADDRESS? WHY IS EXPERIAN STILL CHOSING TO COMMUNICATE WITH ME VIA EMAIL? AFTER I TOLD THEM TIME AFTER TIME TO STOP! So Experian owes me 1000 , I am putting Experian on notice! DO NOT COMMUNICATE with me via email. REMOVE ME FROM YOUR MEMBER SERIVICES PROGRAM!!!!! The program I did not sign up for! The program once signed up, consumer 's can not sue for violations. REMOVE MY EMAIL ADDRESS & STOP SIGNING ME FOR YOUR PROGRAM. Should Experian continue to keep signing me up for services w/o my consent, I will send this over to my attorney. This is FRAUD. I expect to receive 1000 $ check USD in the mail within the next 14 business days for violating my consumer 's rights! My proof is all recorded conservations that I had with Experian stressing to remove my email, and stressing that fact that I do not to be apart of the member services or receive any form of communication via email as of last year! IN this complaint accompanies a copy of the email from XX/XX/XXXX a welcome back email from Experian. My address is the XXXX XXXX address, please send the check to that address

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 2022-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MD

Complaint narrative:
I received a call from XXXX XXXX XXXX XXXX sometime around XX/XX/XXXX, and the person on the call stated I owed a debt and they needed my address in order to send me the information related to the debt. 

Having dealt with identity fraud recently I informed the caller I did not feel comfortable doing that, instead I would do some research and reach out to the company if they were legit. I did find them listed on my state 's debt collection registry. 

I used the debt dispute template asking them for proof of the debt and to stop calling me, until they've provided this proof. I sent a tracked mail to their address in XXXX but I have received no proof of this debt or any response whatsoever. However they have continued to call me every day of the week including during work hours.

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 2022-02-21 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: NJ

Complaint narrative:
The information is not information relating to any transaction. I am a victim of identity theft and did not make the charge. The item listed should be blocked, removed and suppressed for this is fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/2015 {$7800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
The SHEFFIELD FINANCIAL appears to be a charge-off account with a specific balance of {$17000.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX Bureaus. As per FCRA, the XXXX, XXXX and XXXX bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

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 2022-02-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am attaching my old and latest credit report as a refference. 
I am requesting that my credit report be reviewed. This is the XXXX attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my latest credit report in TransUnion that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

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 2022-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX issued a check of {$340.00} to me for unpaid wages. The check was sent to an old address in New York. I was not in this state when this check was issued and cashed by Capital One. Capital One cashed a stolen check with my forged signature which posted XX/XX/2021. I was not in the state when this check was sent, received, nor cashed. The signature clearly looks nothing like my signature. I also have never been a member of Capital One. Capital One has sent me a copy of the stolen forged check they cashed and told me I would be on my own. I am now out {$340.00} because of Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I see a charge XX/XX/XXXX XXXX airport that is not ours. 

XX/XX/XXXX, I sent package for guaranteed 3 day delivery for birthday gift and as of XX/XX/XXXX it has not arrived. 
I wish to get refund for {$2600.00} for services not rendered. I paid certified return receipt so hopefully not lost or stolen by " porch pirates ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX Accounts, has violated my rights. 
XXXX XXXX XXXX Account # XXXX. Date opened XXXX, amount XXXX status charge-off. 
XXXX XXXX Account # XXXX, Date opened XXXX status charge-off. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Date opened XXXX, amount XXXX status charge-off -XXXX Account # XXXX Date opened XXXX status Legally paid in full for less than the full balance. 
XXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XXXX XXXX amount XXXX. 
- XXXX XXXX XXXX Account # XXXX Date opened XXXX XXXX amount XXXX. 
- XXXX XXXX XXXX Account # XXXX Date opened XXXX XXXX amount XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also sates a consumer reporting agency can not furnish an account without my written instructions.

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 2022-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
XXXX has acted as a debt collector have have sent documentation to my abode without my consent. The documents they have sent me were both threatening and full of misleading information. Pursuant to 15 usc 1692b ( 5 ) the company has violated my rights by sending me debt collection information with a stamp on the letter head that proves they are in the debt collection business. This is a violation of my consumer rights. 

XXXX have also used false and misleading information in their attempt to collect a debt by stating I have an outstanding balance and a '' payment '' is needed when the account was started from my consumer credit card from the federal reserve. 

By including another company ECSI this debt collector has violated my rights under 1692f ( 1 ). A threat was sent to my abode and I demand that they cease all reportings of such alleged debt as well as send a full investigation of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Issue : Paid the total amount of the loan, but Discover Student Loans isnt current on their records and still trying to charge me. 

On XX/XX/2022, I refinanced my existing Discover Student Loans with XXXXXXXX XXXX XXXX XXXX dispersed XXXX checks on XX/XX/XXXX to my Discover Student Loans ( Account # XXXX XXXX and XXXX ) ( Loan # XXXX Account XXXX = Loan XXXX, Loan XXXX, Loan XXXX, Loan XXXX, Loan XXXX ) ( Loan # Account XXXX = XXXX ) which were processed to my account on XX/XX/2022. However, Discover only allocated {$2100.00} to my XXXX, even though the check was for {$14000.00}. They are now requesting payment on XXXX XXXX for {$130.00}, still charging interest, and said it's due XX/XX/XXXX. I contacted them via chat on Tuesday XXXX of XXXX regarding this issue as they are clearly inaccurate on their records and they were rude and told me that the check was only for {$2100.00} and I could contact them via phone if I wish to speak to someone on the phone. I confirmed with XXXX and received the check numbers for the transactions that it was in fact for {$14000.00}, and received the check numbers. On Thursday, XX/XX/XXXX, I contacted Discover again via phone and they said again that the check in their system was for {$2100.00} - but they will confirm and resolve the situation by Tuesday of this week. It should not take a week to resolve a very serious issue, and they shouldn't be requesting payment for something that is their error. The second customer service person from Discover was friendly, but I did not like the solution he suggested. 

XXXX bank has been nothing but fabulous throughout the entire process, always keeping me updated with top customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
I applied for this loan and was approved for XXXX and only was given XXXX and was told on XX/XX/2022 I could pull from the XXXX that was left they lied to me and other customers and I want out of this loan and they need to be closed down why will I be paying fir some money that I cant touch this is really ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I submitted complaint XXXX. This is additional information that should be included. 

As stated in the other complaint we have held homeowners insurance and flood insurance for our building shared with XXXX other homeowner ( XXXX units/XXXX  building ) from the date of purchase. We dealt with customer service issues at Mr. Cooper claiming documents were not uploaded, could not be read, or were confused with other homeowners name. In addition, documents were not only uploaded but emailed. This went on for months and every time we called after an auto generated letter, we were told it was fixed. 

Insurance was purchased for us on XX/XX/21. Mr. Cooper is charging us for insurance which begins on XX/XX/21. How is that legally allowed let alone morally correct to charge someone for insurance in a past time period? The past is over and nothing can happen now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a fraudulent charge on my chase freedom unlimited account for {$1400.00} on XX/XX/22 for XXXX. I disputed this charge but it was reinstated as XXXX XXXX is claiming this was a legitimate charge. On XX/XX/22 I received a text from chase for fraudulent charge alert for XXXX for {$1300.00}. This notes an additional fraudulent attempt on the same site which chase recognizes as a fraudulent charge, however they are claiming the first charge as being legitimate. 

I did not make these purchases, and as a matter of fact I do not use XXXX. Ive never received the product that was purchased. Please help me. And thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
Hello. I have worked in public service for 9 years. I have been paying on and off over those 9 years. When I decided to go back to school I called the loan servicer XXXX at the time to ask what my options were. I wanted to pay but I couldnt afford the high payment plus paying for school. I was told all or nothing for payments. A hardship would be best or to be in school part time. On top of that I was also told that when in school your loans go to deferment / school forbearance, Those payments would not count towards any forgiveness so its best to just not pay because I would be giving away free money towards a loan. Just wait I wanted to be on pslf and I didnt even have a pslf form filled out. I was told based on my form to verify employment and pay stubs that is all I needed. Sadly this information I was told years ago was and is all wrong. I was on a standard payment plan if some sort making large payments when I could have been on a more affordable one. Im so hurt by this and I know Im not the only one. I wish there was a way to recalculate my payments based on my income at the time and be able to pay these. Now years later I make more money than 9 years ago and my payment is almost the same or less because Im on the right plan. This has to stop people need to be helped out of load not misguided. Forbearance and school should count and should have a set payment of zero. You dont know what you dont know. People want to be out of school Loan debt not in it for a lifetime. I cant even see anything on my loans since they were sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: OH

Complaint narrative:
Eastern Account Systems claims that I owe them money as a debt collector for XXXX XXXX Previously I had an account with XXXX XXXX the pay-off amount for my account with XXXX  was {$370.00}. That account was paid in FULL Friday, XX/XX/2022. ON that same day I contacted Eastern Account Systems and informed them that this account was paid in full and that I needed that noted. I spoke with a representative for them by the name of XXXX XXXX, she asked me to email her receipt of that payment and she would take care of it. I emailed her while we were on the phone and apparently, she didn't take care of it. Eastern Account Systems still has me owing them this debt. How? I have the paperwork attached to prove it, an official receipt from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation