vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
I purchased my vehicle in XXXX. Prestige Financial calls, texts and emails simulteously a week before each payment. I faithfully made all payments on time until XXXX when I became ill and fell back on my payments. Thats when the disrespect and threats began. I was yelled at and accused of being irresponsible. I did make payments, but just not as timely as before. In XXXX and XXXX i asked for my pay off amount, and was informed I owe over {$6000.00}. Unbelievable i said that after 7years, I still owe almost {$7000.00} on a XXXX XXXX XXXX XXXX. Ive questioned and disputed with them several times regarding the balance. This company is padding balances. They have finally threatened to reposess a car Ive paid for twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I started searching around to find somewhere to live to finally move out of my mothers house I applied for a few places and kept getting denied, I had never moved out before so was wondering why I kept getting denied, I later checked my credit and saw that a debt collector that goes by preofessial debt collectors located in XXXX, so I called them and asked why that was on my credit when I never lived at XXXX XXXX, he stated he didnt know he would have to call the apartments and see. I called the apartments as well named XXXX XXXX in XXXX Alabama and spoke to the manager named XXXX ( XXXX is the apartments number ) provided my name and number and she stated there is no record of me ever living at the apartments, so I then called the management company the apartments is under which is called XXXX XXXX corporate office located in XXXX and the supervisor over the XXXX XXXX   property whos name is XXXX XXXX also verified to me that they have no record of me ever living there, she then asked me why was I having an issue with something. I told her yes it is showing up on my credit that I owe you guys and its prevnting me from getting approved. She stated that I would dispute it with the ( 3 ) credit companies and when she has to verify there is no record she will do that, I was able to have XXXX  remove it but XXXX and XXXX have not. I have disputed this already once I believe I had to redispute with XXXX and XXXX  Im just really frustrated Ive spoken to every one in the apartments complex who is management and the management company and both have verified that there is no history! I have attached both numbers and managers names so you guys can do the same research I did talk to them directly so they can advise you guys that the apartment shouldve moved from my credit. I also spoke to the debt collectors when I noticed and after I called the property and advised them that I believe the account was put in error because Ive never lived there, I also shared with him that I spoke with the property manager and management company in which they both agreed that the property should not be on my credit and they dont have any history of me ever living there, while telling a rep at XXXX XXXX XXXXXXXX what I discovered he proceeded to yell at me and say, well the fact of the matter is you are going to Pay us, it was very disturbing and they have Called constantly since! Im just trying to move forward and be able to find a place to stay. Thank you so much 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 2018-06-08 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: VA

Complaint narrative:
On XX/XX/XXXX I sent a dispute to Equifax in regards to a fraudulent, unauthorized, collection account that is on my credit report. I wrote a letter stating that the account did not belong to me and indeed was a fraudulent account. I sent over the FTC Identity Theft report Affidavit as well as a police report, copy my credit report with the fraudulent account highlighted, as well as section 605 ( b ) from the FCRA.. On XX/XX/XXXX I called Equifax to check on the status this claim and I was told that they could only see the affidavit and they would need me to submit another copy of the police report. On XX/XX/XXXX I sent over not only a copy of my police report but also a copy of my credit report with the fraudulent account highlighted, a copy of my identification, a copy of the affidavit, as well as another copy of section 605 ( b ) ... On XX/XX/XXXX I call and Equifax and no one is able to assist me ... They kept telling me that it was in dispute but per the law it has to be blocked in 4 days while there is an ongoing investigation .... I am attaching a copy of my police report, affidavit, copy of identity theft, as well as a copy of the 605 ( b ) section ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: CA

Complaint narrative:
item was an idenity theft and inacacurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Signed up for a Chase Total Checking & Chase Savings account using the {$500.00} account bonus coupon *in-branch*. Made two ACH transfers totaling {$15000.00} ( balance minimum for the coupon ) into the Chase savings account from my other checking account the day I opened it.

My account was closed the next day by the " money movement '' team without warning or ability to dispute/appeal the ruling. There was no activity except for the initial transfers into the account for {$15000.00}. The accounts were open a total of 1 business day.

Finally, the Chase support representatives stated I would never be able to open another bank account with Chase again.

How can you ban someone indefinitely for money movement after you ASK them to move {$15000.00} in within the first 10 days? That's ridiculous!

Additionally, I have never " burned '' a financial institution, have a good credit score and history, and a reasonable amount of bank accounts ( 2 currently ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX I submitted a deposit in the amount of {$500.00} to Capital One for a secured credit card. Approximately 2 days before I received my card in the mail I discovered upon receiving my card that Capital One closed my account. They closed my account because 1 of my initial deposits was returned. My bank stated that they never even received the request for the money to be taken out of my account. I put 2 weeks of my hard earned money into this secured credit card so I could build my credit. I trusted capital one. I called to try to get the account reopened. Capital one refused to even review my account. I then asked for a refund of my deposit. I was informed that it would take a minimum of 70 days to refund my money and they couldnt even explain how the refund would be processed. I was depending on this card to fianc my sisters graduation trip. Not only has capital one made it extremely hard on me to get a refund, but they have also made it difficult for me to get a card I thought would be simple to obtain. All I want is my account reopened with the deposit that I sent them. Capital one still took the money out of my account and then after they mailed the card out decided to close my account that I never even got a chance to use 2 DAYS before I was set to receive the card. This is very unfair and Im entrusting in Capital one to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been applying for a modification and they have stalled for over 2 years. I was canceled many times due to paperwork not being ( all docs were factually in on time ). After appealing numerous times and proving they were wrong that all docs were in they put the application through. By this time I was so far behind they denied me due to " excessive forbearance ''. 

This was caused by them continuously canceling under false pretenses

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NE

Complaint narrative:
This school was charged with predatory loans and practices. It has went bankrupt and closed. I am trying to get my loans discharged on account of their fraudulent acts and closure. 
They took advantage of all their students, there were times they ran out of books for us, but the book fees were rolled in to the tuition so we couldn't get any money back. 
Most teachers had us XXXX tutorials, basically we taught ourselves. 
The teachers would show up half the time and make false claims so they could get their bonuses. 
I graduated and having their name on my resume is a red flag for any employer. 
Now I can't get employed in my field and I owe over 100k in student loans causing me to potentially be in debt for the rest of my life with nothing to show for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: WA

Complaint narrative:
i disputed with EQUIFAX a collections account with contract callers for a amount {$240.00} that has BEEN PAID and i sent Equifax a copy of the receipt. They emailed me XX/XX/18 saying the dispute was completed but still show not paid as a collection! They have locked me out of checking on this dispute! ( dispute conformation number XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I filled an online application with HSBC Bank to open a Advance checking account and was declined with no explanation.The application reference is XXXX.I sent a letter on XX/XX/XXXX requesting the reason for the denial and have not heard from HSBC. 
I believe my application was declined for no valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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:
DISPUTED A BANKRUPCTY WITH EQUIFAX ON VERIFIED BUT I ALSO ATTACHED A LETTER I GOT FROM THE BANKRUPCTY COURTS AND IT STATES THE COURTS DOES NOT PROVIDE THAT INFORMATION TO ANY OF THE THREE CREDIT REPORTING AGENCIES EQUIFAX IS GETTING  INFORMATION FROM A THIRD PARTY VENDOR AS IN THE FAIR CREDIT ACT IT STATES THAT INFORMATION HAS TO BE VERIFIED THREW THE DATA FURNISHER AND THAT WOULD HAVE TO BE THE BANKRUPCTY COURTS .BUT THE COURTS DON'T RELEASE THAT INFORMATION I ALSO ASK EQUIFAX TO PROVIDE ME WITH THE NAMES OF PERSON WHO THEY CONTACTED TO VERIFY THIS INFORMATION THEY FAILED TO DO SO .BECAUSE NO ONE FROM THE BANKRUPCTY COURTS WOULD RELEASE THAT INFORMATION.THEY ARE GETTING THAT INFORMATION FROM XXXX XXXX EQUIFAX HAS TO PROVE THE ACCURACY OF THE INFORMATION THEY ARE REPORTING ON MY CREDIT FILE I ALSO HAVE DOUMENTS FROM XXXX DELETING THIS FROM MY CREDIT REPORT AS OF XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am awarded a property through divorce. Wells Fargo has consistently denied my ability to assume the loan and be added to the mortgage note and it is becoming concerning. They are also not providing their reasons for denial in writing so transparency is an issue. Assumptions department is verbally implementing " due on sale clauses '' that may not be allowed in loan assumption processes in cases of divorce or inheritance of a property. They are offering alternative products such as a loan modification with a simultaneous assumption as a way to assume the property but Wells Fargo knows that given the nature of the loan being assumed, a loan modification will automatically become denied. The loan is a MBS loan ( mortgage backed security ) loan which does not have a permanent loan modification. It is unclear why Wells Fargo continues to give me this run around and delay tactics. A lack of transparency, a lack of clear communication and trust is a high concern. I am seeking support in the loan assumption process as a successor in interest in the property to be added to the mortgage note applicable with all regulations that include exemptions for due on sale clauses for successors in interest in cases of divorce or property inheritance.

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 2018-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I was denied a modification on This home on XX/XX/XXXX According to the lender. However, prior to notice of decision to deny which came on XX/XX/XXXX, the lender had an appraiser call me to schedule an appraisal. I was called on XX/XX/XXXX. So they claim they denied me but still needed an appraisal after the fact??!? I am very confused by this. They denied me and then scheduled an appraisal at my expense. How is that fair or accurate. 

I do not think they considered all pertinent info prior to denying my modification. I appealed the decision and they are saying it was submitted to late however it was submitted 2 days after we received notice. They are not giving me time to rebut the misinformation. Nor are they allowing a fair disclosure times, when considering they sent me the denial after the allotted time to appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have several complaints about my credit file, which contains information that is either partially right or completely incorrect. The file is missing information in most cases, and I believe the information contained in these files to be inaccurate. 
So I want to dispute entire file. It also has some inquires that I want to dispute whose origin is unknown to me. 

My car payment were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I made all my payments on time, starting in XX/XX/XXXX to about XX/XX/XXXX, for over a period of 3 years with no lates. It was about XXXX per month. But I only see a partial file. I paid a total of XXXX with {$4100.00} for a finance charge, while XXXX of it was for the car. I was always on time with my payments and missed none. Part of those payments are missing from my file, my file does not reflect that. 


XXXX XXXX XXXX has me down as a cosigner, I did authorize them or give them permission to use me as a cosigner nor have I sign a contract with them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Who are these people? 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX , XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and ALLY FINANCIAL with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.

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 2018-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX credit card belongs to my mother only. She applied and received it for herself only. I was added as a family member. Once we found out that it listed me as an authorized user and therefore responsible for the bill. My mother called I think in XX/XX/XXXX and requested that my name be removed from the account and that it be reported to the credit reporting agencies. XXXX XXXX XXXX customer service rep assured that it would be done. In addition a formal letter was sent to XXXX XXXX XXXX/XXXX datedXX/XX/XXXX to request that the above been done. A copy of the letter can be provided.

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 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have several complaints about my credit file, which contains information that is either partially right or completely incorrect. The file is missing information in most cases, and I believe the information contained in these files to be inaccurate. 
So I want to dispute entire file. It also has some inquires that I want to dispute whose origin is unknown to me. 

My car payment were made to XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I made all my payments on time, starting in XX/XX/XXXX to about XX/XX/XXXX, for over a period of 3 years with no lates. It was about XXXX per month. But I only see a partial file. I paid a total of XXXX with {$4100.00} for a finance charge, while XXXX of it was for the car. I was always on time with my payments and missed none. Part of those payments are missing from my file, my file does not reflect that. 


XXXX XXXX XXXX has me down as a cosigner, I did authorize them or give them permission to use me as a cosigner nor have I sign a contract with them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Who are these people? 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief