vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Equity Settlement Services, Inc.

Complaint narrative:
1. Equity Settlement Services ( a title company ) did not pay off the existing loan by wire transfer as required by the existing lender 's attorney who supplied wiring instructions to XXXX XXXX XXXX ( the Mortgage Loan Originating company ). Instead, and for unknown reason, Equity Settlement sent the payoff funds by check. The result of the delay in payment was that the clients, XXXX XXXX and XXXX XXXX, were forced to pay an additional {$1300.00} in payoff funds to the lender because of changes in exchange rates and approximately {$1600.00} in fees to their attorney for attempting to obtain a refund from Equity Settlement and XXXX XXXX. 

2. The lender 's attorney states that he received a scan of what appeared to be a copy of a payoff statement that was " grafted '' onto a page containing his letterhead and signature. One of XXXX XXXX or Equity Settlement is the author of this " grafted '' statement. Such breach of trust is serious and the clients demand an explanation. 

3. The clients requested the name of the companies ' malpractice ( errors and omissions ) insurer. The companies refuse to provide such.

4. Although 4 months have passed since they collected their fees in this transaction, Equity Settlement Services and XXXX XXXX have yet to provide their clients with documentation showing that the previous mortgage has been discharged and is satisfied of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX acct. # XXXX under title XXXX XXXX same as account this contracwas fixed count # 1 XXXX XXXX XXXX XXXX XXXX, count # 2 XXXX XXXX XXXX XXXX XXXX, count # 3XXXX of XXXX XXXX, count # 4 XXXX of XXXX XXXX XXXX t/a XXXX XXXX, count # 5XXXX of XXXX XXXX XXXX, count # 6 XXXX XXXX XXXX, # 7 XXXX XXXX XXXX, facts and evidence warranted

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 2017-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On ThursdayXX/XX/XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On Thursday XX/XX/XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct this.

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 2017-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/17 I received an email notification from Capital One confirming if a XXXX purchase on a credit card was valid.  I asked my husband about this since it is his credit card and he then realized that he lost his wallet.  I then called Capital one immediately and told them that the credit card was lost.  I check another credit card and that also had a XXXX charge of over $1000.00 on it and called XXXX XXXX and told them about it.  I also called XXXX XXXX and XXXX XXXX to notify them of it.  No charges were on those two.  Only unauthorized charges were on the Capital One and XXXX XXXX.  Capital one put a hold on the charges back inXX/XX/XXXX and reverse the charges.  I received two letters dated XX/XX/17 on XX/XX/17 from Capital One stating that they did not find any indications of fraud and it now charging us the XXXX that wants us to pay for it.  I called on XX/XX/17 and spoke with someone from Fraud department and they said that only the person who handles the case can re-open it.  I left a voicemail message on XX/XX/17 and was told I would get a call back in 2 working dates.  As of today XX/XX/17 I have not received a call and call back and left another voice mail message and hope that they would call me back.  I am filing a complaint now so that someone can help me out. The Fraud person I spoke to on XX/XX/17 stated that it could not be a fraud because the credit card machine was a chip card and it could not have been a counterfeid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was faithfully paying my Wells Fargo bill since XXXX, when I unexpectedly had a major XXXX XXXX I was off work for 3 months for XXXX XXXX in XXXX. When I returned to work my hours were reduced. Wells Fargo made a agreement through phone conversation to pay certain amount and interest was lowered. The amount that was agreed was XX/XX/XXXX/mo. I was paying Faithfully that amount until out of nowhere they were calling me and saying I owed more money. I was confused because I never received notice of bill went up. Thereafter I was getting phone calls saying I owed more money. I contacted them by phone and they said the year was up with me paying that amount. I was never told a time limited on the agreed amount. I said what 's the point of all this time I was paying you and now your going to raise the interest and the amount I paid before is now going to go up again. What was the point of me paying all that time then. I told them they never gave me official notice of this change at all. I was upset and in tears because I asked them to work with me and they refused. Six months went by of them harassing me then I received a letter from their attorney stating to contact them to settle with them.. I did contact them and offered an amount {$2000.00} but they wanted the whole amount which I did not have and then they said I owed {$900.00} in legal fees. Which I was upset and in tears again an hung up. One month later I was served with this law suit in the amount of XXXX plus XXXX in their legal fees. Lastly, I just want to add my other debts have been and still are working with me. I feel I am being bullied and treated unfairly since I have been faithful to this company since 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 2017-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I submitted a complaint with XXXX. The basis for the complaint was that Bank of America fraudulently closed my account ( as " approved in error '' ) right before I met the promotional bonus and then asserted that because the account was closed I lose the promotional bonus and the rewards earned from the already completed spending. Bank of America earned money from my spending over 90 % of the promotional bonus requirements - I estimate conservatively that Bank of America received {$55.00} at a conservative 2 % credit card processing fee on the {$2700.00} I spent. I requested {$910.00}, the cash value ( based on Bank of America 's valuation ) of the promotion fraudulently withheld. Bank of America agreed with the facts as I presented them in my complaint. But Bank of America 's response did not address this fraudulent closing of my card. Instead they asserted that because the account was closed, points could not be redeemed. The card agreement, and state and federal law, do not allow Bank of America to close an approved card as " approved in error '', that has spent 90 % of the promotion requirements that they have benefited from. Moreover, Bank of America was unjustly enriched.

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 2017-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Last year, in XXXX XXXX, I received a phone call that I had not paid my Discover student loans in 3 months and they were raising my interest rate. I received no calls prior, no emails announcing that my auto-payment had stopped. I paid the amount and my interest rate increased. 

Today, XXXX/XXXX/XXXX, I checked my credit score only to find that my student loans were again three months past due, amounting to over {$1000.00}. I was completely unaware that my auto-payments had stopped again ( for the second time ), no phone call, no letter. When I looked at my file, the last letter that was sent, was in XXXX and did not state anything about the auto-payments being stopped. 

As of today, I am {$1400.00} in debt ( 4 months past due ) and I had no idea that my payments were not coming out of my account. Almost all of my bills are on auto-payment, so I do not think twice. 

This has hurt my credit and caused me immense stress and frustration, because I have always wanted to pay my student loans on time. Why is this so hard? Additionally on the XXXX XXXX XXXX website, everytime I try to log in, it has me create a new password. Every single time, this glitch makes it incredibly difficult to casually log on to check account information, causing further frustration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is misusing my private information without my consent. I never gave XXXX XXXX XXXX XXXX permission to use my social security number nor did i gave XXXX XXXX XXXX XXXX permission to inquire about my credit. I have no business relationship with XXXX XXXX XXXX XXXX and i did not apply for a loan. XXXX XXXX XXXX XXXX is causing injury to i.

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 2017-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I cosigned a loan on XXXX/XXXX/XXXX in the amount of {$9700.00} for a career training program at XXXX XXXX XXXX XXXX, in XXXX, MD. The loan was originally with XXXX XXXX, now it is with Navient. The original borrower discontinued paying the loan, so I am currently trying to pay this loan off. XXXX XXXX would not allow me to apply to be released as the co-signer. The original borrower is capable of paying for this loan, but no attempts were made to obtain payment from original borrower. I continue to make payments because I am a XXXX employee and having delinquent student loans would effect my employment status and credit rating. To date, I still owe {$3000.00}. The interest rate was 9.750. Not sure what it is today because I have not receive any information from Navient regarding this loan. Loan origination date was XXXX/XXXX/XXXX, however on XXXX/XXXX/XXXX I received a statement from XXXX XXXX stating the principle balance was {$10000.00}. Payments for this loan in the amount of {$120.00} are automatically deducted from my checking account monthly, and according to my calculations, the balance should be paid in full by now. During the course of this loan, many fees have added and the balance barely decreases with each payment. I am unable to speak with a representative about my account to get any details, however I am able to get the total balance due through an automatic system by entering the social security number of the original borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: TX

Complaint narrative:
XX/XX/XXXX I called Equifax to dispute many Inquiries not mine. 19 were removed. A fraud Alert was put on. But these fraud alerts have never notified me when someone has been trying to access my Credit. 

Here is a list since XX/XX/XXXX all from XXXX XXXX. I do not have any credit cards with them And these Hard Inquiries have been showing up weekly and is greatly effecting my credit score and profile and need removing. I have tried numerous times to contact Equifax they are always busy with too long of holds. 
Please remove this accounts. The only Credit Inquiries that are mine on my report for XX/XX/XXXX are XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. And XX/XX/XXXX XXXX XXXX XXXX. Anything else should not be on my report before XX/XX/XXXX. 

XX/XX/XXXX XXXXXXXX/XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX. 
Also because of Equifax system I can not do an online or phone dispute because your system does n't recognize me. I have two open dispute on collections not mine Confirm # XXXX and # XXXX but the Equifax system wo n't let me look at these disputes it says it does n't recognize me. 

Equifax has me listed as : XXXX XXXX XXXX XXXX XXXX XXXX Why is it someone can apply for credit with my name yet I can even access my own information. Something is very wrong. No other Credit Bureau I have this issue. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK
State: IL

Complaint narrative:
Commerce Bank was offering {$200.00} to open a checking account. I have opened the account twice, and the account was subsequently closed with no explanation before paying the bonus. The company is intentionally misleading potential customers, into opening accounts, and then once they open the account, are closing accounts before the bonus is due if the customer does not open a credit card or take out a mortgage, or use any other products that are more profitable to the bank. 

Additionally, anyone who has opened an account with the bank in the last few years with a bonus offer should receive a mailer from the company or the CFPB alerting them to these practices. The company should be forced to pay what was promised, including lost interest to the victims, and should also be subject to a punitive fine payable to the CFPB or perhaps a different customer watchdog to send a message to Commerce Bank and any other bank that these type of abusive practices will not be tolerated in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear Transunion : This letter is a formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below. Also a result of the current breach, I believe my information has been compromised. Please remove the following inquiries from my credit report. Creditor : XXXX XXXX/XXXX/XXXX : XXXX  XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ) XXXX-XXXX. Sincerely, XXXX XXXX SSN XXXX DOB 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 2017-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX has been reporting a debt on my credit since 2015. I have continuously tried to contact this company in regards to information they are providing on my credit report. I have sent out several letters within the past couple months and received no response. I have also had some mail come back undeliverable to their address which was obtained through the information they have provided on my credit report. I have continually asked for information regarding what this debt is and have received no verification, validation, nothing. By failing to provide this information this company is violating the Fair Credit Reporting Act.

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 2017-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Hi, I 've been trying for years to have the PMI remove from my mortgage loan, and I keep getting the runaround from Nationstar ( Mr. Cooper ). 
They change the name because of their toxic company. 

A couple of times in the past before Nationstar got my mortgage XXXX XXXX XXXX had me complete 2 appraisals and even had me mail a payment of {$25000.00}, because they claimed I did n't have enough equity. 

Now with Nationstar I 've tried several times to get the PMI removed but it still the same issue just keep getting the runaround. 

Can the CFPB please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One is showing on all three Credit Reporting Agencies I owe them {$300.00}. I owe Capital One Nothing. 

The credit card was paid in full on XX/XX/XXXX 2017. Capital One has been charging Bogus and Fraudulent charges every month to come to the the amount of {$300.00}. My account with them should show paid in full with no balance owed. 

Capital One is messing up my credit and bringing my credit score down. I want you to get them to take this off my Credit Report at all Credit Reporting Agencies. 

Waiting for your reply. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Company is trying to collect debt thats past the California statute of limitations. Multiple daily calls on my work, personal, and house phone and using scare tactics including making threatening statements that law enforcements will come and arrest debt owner if no action is made immediately. They are harassing calls every day and refusing to provide proof. If phone is not answers. They are refusing to leave a message. They are also using multiple phone numbers using similar area codes and close numbers to our personal phone numbers. 

A disputed has been filed with two credit reporting agencies including XXXX and XXXX

Company response to consumer: Closed with explanation