vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NV

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, THE DISCOVER CREDIT CARD ON MY CREDIT REPORT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT. THIS ACCOUNT IS NOW CLOSED WITH XXXX BALANCE. I HAVE NO IDEA WHO HAS PAID. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. I HAVE NOT AUTHORIZED ANYTHING ON THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian has on my credit file page 11 of 14 dated XX/XX/2019 under Personal information XXXX XXXX in which I have never used that name for any type orf credit or anything else of that matter. Experian needs to show proof of documents of any credit applied for in that name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: WV

Complaint narrative:
In XXXX of XXXX, I applied to consolidate my student loans with my current servicer, FedLoan Servicing, in the hopes of lowering my monthly payment by rolling my loans in together. I requested to remain in the REPAYE program and chose that program option. On XX/XX/XXXX, I received notice that my consolidation was complete and my payments were going from {$280.00} to {$580.00} a month. On XX/XX/XXXX, I called FedLoan because I could not afford that payment. I first spoke to Operator XXXX, XXXX. She asked me a couple income questions and said she couldn't help me and transferred me to Operator XXXX, XXXX. XXXX asked me the same questions XXXX asked me and said she couldn't assist me but maybe the consolidation department could. I was then transferred to Operator XXXX, XXXX. XXXX asked me the same questions XXXX and XXXX asked me and concluded he could not help me either. I explained to all three Operators that I could not afford a $ XXXX   monthly payment, it was impossible for me but I could manage the {$280.00} payments I had been making. XXXX then told me my only option was a deferment or forbearance. I told him I did not want to stop making payments on my loans. XXXX again said there was nothing that could be done to help me and, basically, it is either make the payments or go into deferment or forbearance. I relented and chose the forbearance with the intention of making monthly payments I could afford. After researching what could have possibly caused this issue, I found that because I signed for a Parent Plus loan for my son, it made me ineligible for the REPAYE & many other repayment options. That fact was never disclosed to me during my conversations with the three Operators on XX/XX/XXXX. I would never have included the Parent Plus Loan in my consolidation had I known the outcome would be a $ XXXX  monthly payment. I was asking what changed and why my payment doubled but not one person explained what happened or tried to assist me. I should not be forced into forbearance when I'm simply trying to pay off my loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: FL

Complaint narrative:
I just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
Debt was opened a year ago and I never received the right to dispute the debt. I was told my insurance that I had at the time, covered this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I place a credit lock on my Experian account. I am unable to unlock it. It says there is no lock on it on the website. 
When I attempt to unlock it states it can not verify me. 
The questions it is asking, are not questions for me, I do not know where they are getting their questions but they are inaccurate. 
I am unable to reach a person. 
They are requiring I send personal information thought the us mail, that anyone could steel my identity by. 
This is against everything I have ever read on security. 
I would like to have control of my personal identity. 
Why can they not identify me when they have all of my credit history? They ask me people that live with me and I live by myself. 
Why would they use a 3rd party using social media scans to identify me. 
I have no choice but to do as they ask. 

This is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I tried to apply for the loan refinancing with Quicken Loans. During the process I was quoted misleading loan information and untrue APR provider by the lender. When I entered data into the Loan Calculator the difference in cost came out to be {$14.00}, XXXX. 
Loan agent suddenly put me on hold and came back with a totally different ( higher ) APR than I was quoted. When I questioned the cost the agent blamed it on the confusion and bad phone connection. I have not expected dishonest practices from the major Loan Provider like Quicken Loans and was disturbed at that occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I applied for a home refinance with Wells Fargo and received my Loan Estimate on XX/XX/2020. I had a phone conversation about the details with the loan officer and it was communicated that my credit score was low which impacted my interest rate. I understand this and the affects of the credit score on interest rates. I asked for a copy of the credit report that was used to determine the rate associated with the offer of extension of credit. I was told that I am not able to get a copy of the report that the lender used. I was verbally told the 3 credit scores used by the lender but did not get anything in writing. Again when I requested over the phone I was told no. From my understanding, section 609 Disclosures to Consumer - 609 ( g ) the lender is required to disclose the credit scores upon request along with factors affecting that score. In addition subsection 609 ( g ) ( 1 ) ( D ) requires the " Notice to Home Loan Applicant '' which was not part of my initial disclosure package. I am uncertain if this notice is required at the point of application or anytime prior to loan closing. I would like to understand if Wells Fargo is permitted to refuse to provide the consumer credit report used to determine a credit decision upon request from the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I opened a credit card with my business partner under my name with XXXX. We received a letter from XXXX stating that if we did not use the card it was going to get closed. We wanted it open so I made two small purchases that totalled {$150.00}. The credit limit was $ XXXX on the card. We forgot about the charge and we were reported to credit bureau as going 30 days over. When we realized our oversight we paid the late fees and total which came out to {$220.00}. Account is now closed but in good standing. 

My credit score the month prior to this mistake was XXXX. Due to this minor mistake with {$220.00} my credit score has gone down twice to a current XXXX. I was in the process of buying a condo which I was originally quoted an interest rate of 3.5 with my credit score of XXXX. Since they dropped my score so much for a minor mistake they wanted {$1700.00} to pay for a point and a half which still gave me a rate of 5.5. This raised my mortgage from {$750.00} a month with no points to {$1000.00} a month after I pay {$1700.00} for the point and a half. I had to back out of the deal which was a great deal because I would have been paying more than rent due to the increased interest rate. 

Then I had XXXX XXXX XXXX shut down one of two credit cards I have with them due to the credit score drop as well. They sent me a letter that stated since my credit score had dropped greatly and I had not used my card ( which also had a $ XXXX limit ) they closed it. That is going to possibly cause my score to drop further. 

I have never been late on my personal cards or bills. I have my primary house paid off. Two pieces of land valued at over $ 200k paid off. A cabin that I owe only a quarter of what it is worth. My current credit card debt is $ XXXX and I could pay that off whenever I chose. I have never been late on my credit card payments or my mortgage for the cabin or anything else. 

So, all these years I have done everything right. I own a lot of property and keep my debt to a minimum. I now have which is within 20 points of two friends who are finishing bankruptcy. How is that fair. For a mistake worth {$220.00} which was paid off. Someone needs to regulate the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: FL

Complaint narrative:
I opened a credit card with my business partner under my name with XXXX. We received a letter from XXXX stating that if we did not use the card it was going to get closed. We wanted it open so I made two small purchases that totalled {$150.00}. The credit limit was $ XXXX on the card. We forgot about the charge and we were reported to credit bureau as going 30 days over. When we realized our oversight we paid the late fees and total which came out to {$220.00}. Account is now closed but in good standing. 

My credit score the month prior to this mistake was XXXX. Due to this minor mistake with {$220.00} my credit score has gone down twice to a current XXXX. I was in the process of buying a condo which I was originally quoted an interest rate of 3.5 with my credit score of XXXX. Since they dropped my score so much for a minor mistake they wanted {$1700.00} to pay for a point and a half which still gave me a rate of 5.5. This raised my mortgage from {$750.00} a month with no points to {$1000.00} a month after I pay {$1700.00} for the point and a half. I had to back out of the deal which was a great deal because I would have been paying more than rent due to the increased interest rate. 

Then I had XXXX  XXXX XXXX shut down one of two credit cards I have with them due to the credit score drop as well. They sent me a letter that stated since my credit score had dropped greatly and I had not used my card ( which also had a $ XXXX limit ) they closed it. That is going to possibly cause my score to drop further. 

I have never been late on my personal cards or bills. I have my primary house paid off. Two pieces of land valued at over $ 200k paid off. A cabin that I owe only a quarter of what it is worth. My current credit card debt is $ XXXX and I could pay that off whenever I chose. I have never been late on my credit card payments or my mortgage for the cabin or anything else. 

So, all these years I have done everything right. I own a lot of property and keep my debt to a minimum. I now have which is within 20 points of two friends who are finishing bankruptcy. How is that fair. For a mistake worth {$220.00} which was paid off. Someone needs to regulate the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: IL

Complaint narrative:
ON XXXX XXXX 2 CHARGES TO XXXX XXXX 1 CHARGE FOR {$750.00} AND {$140.00} ALSO XXXX  FOR {$13.00} i HAVE REPORT TO THE LOCAL POLICE OFFICE AND RECIVED AN REPORT, I HAVE ASKED THE COMPANY TO ASK THE STORES FOR SIGNATURES AND SURVEILLANCE FOOTAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my 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 2020-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: MD

Complaint narrative:
On Tuesday, XX/XX/XXXX, I called Selene Finance to once again request mortgage statements be sent to my home. In addition I questioned why our last mortgage statement dated XX/XX/2019 showed a balance due in the amount of {$5600.00}. We were told by XXXX that we did not pay XXXX, XXXX and XXXX. I explained that we in fact are current and requested a payment investigation. XXXX informed me that it would take 7 days to complete the investigation. I called back on Friday, XX/XX/XXXX and once again spoke with someone named XXXX. He informed me that the investigation was not yet completed. I stated to him that the problem with this is that if they haven't posted all of my payments that there is no way possible my mortgage interest statement is correct. He then cut me off stating that his department didn't have anything to do with that. I told him, when I call Customer Service they always defer me to his department. Further proof to indicate that it's incorrect is that my statment dated XX/XX/2019 shows an outstanding principal balance of {$240000.00}. The 1098 shows an outstanding principal balance of {$240000.00}. 

I would love to file my taxes but moreover I would love to have accurate records and competent servicer servicing my account. 


Please help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I am receiving text messages stating " CareCredit Rewards MC courtesy reminder. Make payment. carecredit.com/Mastercard  XXXX FreeMsg : Synchrony Bank. To opt out reply STOP '' I do not have a CareCredit Mastercard. I have an old Synchrony card which has not been used in 2 years. I am afraid someone has gotten a fraudulent card in my name. The only way to get info from them is to give them my Social Security number, which I will not do. What do I do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I sold a house and mortgage was paid off with Wells Fargo on XX/XX/19. Escrow was to be dispersed on XX/XX/19. It was never received. They tried to ACH to me but sent to someone else and now are refusing to give me my escrow money. There was {$2000.00} in escrow account at closing. They continually lie, won't contact me, send me to different departments but still after 2 1/2 months don't have my escrow money with no sign of receiving in the near future.

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 monetary relief