vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
My loan was transferred from Cashcall/XXXX to XXXX XXXX XXXX, however the loan amount transferred was incorrect. I have reached out to both companies but have not received a corrective action. 

The transfer occurred on XX/XX/19 the correct amount of the transfer is {$180000.00}, however XXXX XXXX  XXXX is showing a transfer amount of {$180000.00}. 

Both companies are blaming the other and pointing fingers and I'm caught in the middle, I'm seeking your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
Ive been given conflicting information about this debt. Initially, the debt was reported as being included in my bankruptcy, now its being collected. I do not owe the amount listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: Self Lender Inc
State: NV

Complaint narrative:
I opened an account with selflender.com for the purposes of building my personal credit score. I was informed they were a great company in terms of helping consumers build good credit using their own money. When I open my account in XXXX I was not informed that I could not mail my check in for payment on my account. Instead I received an e-mail stating my check was being returned to me because XXXX XXXX XXXX self lenders banking partner were not able to accept a paper check as a form of payment. I contacted self lender and informed them that check payment method was the only way I could pay due to my debit card being replaced. Self lender rep stated that would be fine and just make the payment when I could. Later when I looked at my credit report I noticed I had a 30 day late for the month of XXXX although my payment is current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was attempting to apply for a new mortgage loan and was told by a BBVA representative that I could not proceed nor would they accept an application due to having DACA status ( Deferred Action for Childhood Arrivals ). I was not given a clear explanation other than stating that they do not consider DACA as a non-resident applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have been working with PHH Mortgage for almost two years to assist me with assistance. Despite multiple communications through mail, telephone, and email ; I have yet to receive any assistance. I spend hours each week trying to speak with someone who speaks English fluently. The representatives in XXXX are not knowledgeable and unable to answer any questions. I have yet to speak with my case manager. PHH has repeatedly been dishonest. In one communication they tell me that I do not qualify for a repayment plan because of my debt to income. We now have sufficient income and is told we do not qualify. I am requesting again to have either a forbearance or a repayment plan for this account. Will someone please listen and help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: OK

Complaint narrative:
This debt allegedly was a medical bill Rash Curtis collections tried to submit a bill one year ago for {$39.00} I got that disputed and deleted last year. The last time I saw this doctor was early XXXX. The doctor nor his representatives billed me for a dime. I moved out of the State in XXXX, this debt if correct would be over 7 years ago, XXXX Rash Curtis has falsified the date to cover their rationale for pursuing me on the old fictional debt. Rash Curtis was notified in XXXX of my attorneys phone number and address. Please help me resolve this collection that shows up on my XXXX  report.My attorneys state that they received no notifications from Rash Curtis of any outstanding debt after they got the {$39.00} debt disputed and deleted last year. Rad Curtis has never provided any prima facile evidence of a bill from my former doctor showing any balance due. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On or before XXXX XX/XX/2008 I XXXX XXXX XXXX opened a Capital One 360 Savings Account, and since then in XXXX, Georgia they will not let me have access to my account now Capital One are E-mailing me because they have a Breach in Effect and I want my money for years.And also XXXX XXXX have Funds that I don't have access to

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN provides me a free credit report online every month. Apparently this was for the purpose of complying with the Fair Credit Reporting Act. Ever since XX/XX/2019, they had stopped providing me a credit report free of charge every month. I am entitled to my credit reports. Rather than repair malfunctioning computers which prevents me from obtaining an accurate report Experian has suggested that I write a letter to fix the problem despite concerns in FCRA regarding efficiency. See e.g., 15 U.S.C. 1681 ( a ) ( 1 ) " Inaccurate credit reports directly impair the efficiency of the banking system. ''

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 2019-08-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX I am writing to dispute the following information that Two different credit card companies provided to Equifax , XXXX   and XXXX. The item that I want to dispute is negative payment history on my credit file. Below I left the name, account numbers and dates of inaccurate information. This item from XXXX XXXX XXXX is inaccurate because I have paid off my debt from this company. As well as being an XXXX XXXX XXXX at that time, whom had no knowledge of the SCRA Relief. This account has been closed for almost 8years and has reported in the last 3 years to my credit file. I am requesting that XXXX XXXX XXXX have the item removed or the negative payment history removed to correct the information. As well as XXXX XXXXXXXX  removing the negative late payment. There are addresses and phone numbers that I dont recognize as well. I ask that all addresses and phone numbers be erased from my credit file except the one listed above. 

Sincerely, XXXX XXXX XXXX/XXXX XXXX : XXXX Dispute late payment : XX/XX/XXXX XXXX XXXX XXXX : XXXX DISPUTE late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: PA

Complaint narrative:
Equifax removed a negative account from my XXXX  file, XXXX XXXX which I never owned, then dropped my XXXX score from a current XXXX to a XXXX ... .while I have nothing but current paid credit account, along with increased credit lines over past 2 months from accounts ... my score is being low based by their system

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I originally borrowed about {$6400.00} in student loans from Wells Fargo. I was the first in my family to go to college, and did not know anything about financing my education, nor did I understand interest rates and repayment terms. I have been paying my loan every month for over a decade now, and still owe {$5400.00} In total, I have already paid over {$9100.00}, including {$6500.00} in interest alone ( more than the original loan amount ). At this rate, it will take me 12 additional years ( 22 years in total ) to pay off the loan, and I will have paid Wells Fargo over {$16000.00} in interest ( 260 % of the original loan amount ). For a {$6400.00} student loan. 

When I told a branch manager my situation, she was completely appalled and said she would try to call the student loan department herself, though it was unsuccessful. When I called the student loan department, my case was referred to the Executive Office. When someone finally called me back from the Executive Office, I was told there was nothing that could be done because I signed on the line and according to him, " knew what [ I ] was signing. '' His only solution was to take out another private student loan to pay off this loan. 

Wells Fargo knowingly took advantage of a weaker party who did not understand what she was signing, and was in an inferior bargaining position. The current interest rate on the loan is 13.240 % and continues to go up. California courts ( where the loan originated ) have determined that the contract doctrine of unconscionability may provide a remedy for student loans with exorbitant interest rates. Bringing a lawsuit, however, would likely cost more than the amount owed on the loan.

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 2019-08-02 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: STATE FARM BANK, FSB
State: CA

Complaint narrative:
To whom it may concern, State farm has a late reporting to my report XX/XX/XXXX and this information is incorrect. I called and spoke with a represenative she assisted me and said this was a mistake on state Fram system and that the reproting incorrect infomation would be deleted off the report. It is still showing late. The account was openedXX/XX/XXXX. The account was paid off in full and never used State farm closed the account its balance has been {$0.00} for 3 years. Its limit is {$6000.00} and its high balance was {$5900.00} in XXXX. The report was never updated as promised by State fram bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I continue to be pursued by Portfolio Recovery mentioned in my complaint # XXXX. In my additional comments I requested that they cease and desist. I just recently received a letter dated XX/XX/XXXX from Portfolio Recovery trying to claim a debt from another creditor, XXXX XXXX. 

My data was breached by the XXXX Data Breach and since the breach I have gotten collection claims from Portfolio Recovery for several of my creditors ( i.e. XXXX, XXXX XXXX, XXXX ). Therefore, I requested a copy of my credit report and Portfolio Recovery was listed on my report as being in default with payments. I do not have any agreements with this company, nor do I owe this company any money. This company has never presented any written agreements to me indicating that they were acting on behalf of any of my creditors. 

I disputed the claim and their response to the dispute was copies of statements that were never mailed to me by my creditor. ( This only proves that there has been a serious violation of my private information. ) I have attached a copy of one of the statements Portfolio Recovery sent in response to the dispute. On the XXXX statement dated XX/XX/XXXX, that Portfolio Recovery sent me, shows a credit limit of {$8500.00}. Clearly this statement was altered because a closed account would not show a credit limit. This is the type of tactics they practice to collect money from people. Also attached is a statement I received from XXXX in XXXX of XXXX that clearly shows the credit limit as XXXX. This account was closed in XXXX and I continued to pay off the balance. 

In XX/XX/XXXX I received collection statements from XXXX XXXX representing themselves as a collection agency for Portfolio Recovery Associates. In XX/XX/XXXX, XXXX XXXX filed a petition against me claiming they were representing Portfolio Recovery Associates. I filed my Answer denying the claim within ten days and requested, on the court document, that XXXX XXXX cease and desist from further contact with me, from all phone calls, mail correspondence and court petitions. I then filed a complaint ( # XXXX ), as mentioned above, against XXXX XXXX, and also requested that Portfolio Recovery cease and desist from their pursuit of false claims. 

I want Portfolio Recovery to remove themselves from my credit file with all three credit reporting agencies. I want them to cease and desist from pursuing me for monetary gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: NJ

Complaint narrative:
Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I  requested an investigation be conducted by the credit bureaus of an alleged debt owed by me. Account # XXXX in the amount of {$810.00}. A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires verification through the PHYSICAL verification of an original signed consumer contract and not an Electronic or XXXX  verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records. To which I have recieved verified as accurate without recieving the documentation that I have requested which I am entitled to by law.

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 2019-08-02 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:
Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me. Account # XXXX in the amount of {$810.00}. A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires verification through the PHYSICAL verification of an original signed consumer contract and not an Electronic or XXXX  verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records. To which I have recieved verified as accurate without recieving the documentation that I have requested which I am entitled to by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Opened Citibank priority account on XX/XX/19 with a promotion to receive XXXX XXXX XXXX miles upon completing {$750.00} debit card purchase and 1, 2 or more bill payments. I completed the above requirements and it was confirmed by the bank chat agents twice in XXXX and XX/XX/2019. 

After the waiting period on XXXX, Citibank informed that i have not met the terms for this promotion explaining that the term was to make bill payments for 2 consecutive months and confirmed that they will not honor the promotion. When I tried to discuss this with the frontline bank supervisor Mr. XXXX, he was stating that the chat agents could have made mistakes but they are not obligated to abide by what was confirmed by 2 different chat agents. 

Another statement from the supervisor which intrigued me was that the chat agents are responsible for filtering out requests from customers but bank is not obliged to own their confirmation by agents is worrying. So I had to request closure of the account today. 

I am attaching the confirmation by 2 agents a month apart and denial letter from the bank. 

Kindly help in resolving this issue.

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 2019-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
This debt is an entire account full of fraudulent charges that were added to my account by a mentally unstable individual working for the building management company, XXXX XXXX XXXX, who run the XXXX apartment building. This individual falsified and concealed information as well as distributed my personal information to other tenants and submitting fraudulent claims in court to further inflate their charges. 

All charges were created within 7 days of or immediately after I moved out, without any communication, simply a bill sent two weeks after move-out. 
Most notably, they are attempting to collect money for " Legal Charges '' which include {$750.00} of legal charges to reimburse them for an eviction case they fraudulently filed in court AFTER I already moved out. 
Again, they are attempting to assess " legal charges '' for a case that did not, and never could have, come before a judge. Therefore, it was an attempt to obtain financial gain by deception. The very definition of fraud. 

I provided written notice to move-out more than 90 days prior to moving out of the building from which the building management created these charges and have a written statement FROM the building manager at the time acknowledging this and stating very clearly that there would be no additional charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Consolidated loans and while all loans show paid off on the XXXX  website there was a balance still standing on the Navient side. 
They had me re add the loan on their end and not on student loans. 
They argue that the XXXX  doesn't usually have the accurate loan amount and therefore it created that discrepancy. Also I didn't apply for any pay as you earn program due to Navient telling me I didn't qualify for it, but because of the issue with the amount of the loan remaining they added me to that repayment program and lower the payment down. So the main issue is the way is was handler and how little to no information is about whats int he students loans web site from what Navient has. Now I'm dealing with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On the evening of XX/XX/2019 my credit and debit cards were stolen from my wallet out of the locked locker at my local gym. I realized this on my way home when I began receiving fraud alerts on my phone from the various card companies. I answered each fraud alert and cancelled the cards one by one. The thief managed to charge almost {$5000.00} worth of merchandise on one card, which the card company ( XXXX ) quickly rectified. My XXXX credit card, XXXX XXXX XXXX debit card and HSBC debit card were all used or attempted to be used. XXXX and XXXX XXXX XXXX quickly wiped out any fraudulent charges. I made a police report at the XXXX XXXX in XXXX County on the morning of XX/XX/XXXX. 

HSBC, despite sending me fraud alerts that something was amiss, cleared one charge, but not another transacted at the very same time for {$510.00}. I filed their Fraud Claim Report with them by mail as requested. They claimed they did not receive it. I then faxed it to the number given to me by one of the representatives in their Security & Fraud Risk Department, along with the evidence I will attach here. Repeated calls to the Fraud Department have been met with the same questions regarding the incident and promises to address the charge within 48 hours. 

I have also included an online chat with a representative who promises the funds would be duly credited. The risk officer assigned to my case is named XXXX XXXX at XXXX. Apparently it was this person who claimed the charge was authorized when it clearly was not. I have repeatedly requested a call back from Mr. XXXX. I have yet to receive one a month after the incident, and my account is still debited.

Company response to consumer: Closed with explanation