vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LendingUSA
State: PA

Complaint narrative:
On XX/XX/17 I contracted with XXXX XXXX at XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX Phone # ( XXXX ) XXXX to help with filing my back tax returns. The IRS had already begun to levy my Social Security income for an inflated amount taxes, fees, and penalties. I contracted with XXXX to 1 ) stop the levying of my SS Income. 2 ) File back taxes for six years to correct the amount I owed to the IRS. 3 ) Negotiate a repayment plan with the IRS. Total contracted price to cover their work was established at {$3900.00}. XXXX acquired financing for me through USA Lending ( also known as XXXX XXXX XXXX ). XXXX negotiated a settlement with the IRS and stopped the levying of my SS income after about 3 months. XXXX never filed any back tax returns for me or negotiated a correction in the amount I owed the IRS. I received a letter stating they were then closing my file. I felt they had over charged me for what work they actually done on my behalf. I negotiated with them. XXXX issued a {$2400.00} refund payment to my LendingUSA account. All was then good with XXXX. $ XXXX-XXXX= a {$1400.00} loan amount. 

Lending USA had charged me an application fee upfront of 5 % on the full {$3900.00} but refused to give me credit for the total loan reduction. LendingUSA just subtracted the {$2400.00} from the total balance owed and continued to charge me interest on that unpaid balance. I feel I was overcharged on the initial loan application fee, as well as interest on an incorrect total loan amount. When I tried to negotiate with LendingUSA, they charged off the account and sold it to another lender, XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX are both reporting unpaid accounts to the credit bureaus. They both refuse to correct my original loan amount and unpaid balance owed. Their actions are also hurting my credit rating. Please help me with these abusive lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Someone used and stole my information and opened a mortgage in my name. I am not currently a homeowner and I have never beeen one. I wasn't told the name of the company. I do not know how this is possible.

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 2019-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I disputed fraudulent charges on my XXXX XXXX XXXX card in XXXX or XXXX of XXXX XXXX XXXX XXXX   stated that the charges were correct and were charged overseas and I had to pay them. Despite the fact that the charges were not mine, I paid them and I instructed XXXX XXXX XXXX to close my account. 

The account statement issued by XXXX XXXX XXXX for the period from XX/XX/2018 to XX/XX/2018, showed a credit balance on said account of ( $ XXXX ). As of the last day of such reported period, the account was permanently closed, XXXX XXXX XXXX had no right or authorization to accept any charges on my behalf on the account. 

The charges on my card clearly show that they have been made for services in the name of other people that are different from my name. I did not receive any product or service using XXXX XXXX XXXX card. XXXX XXXX XXXX should not have accepted any charges on a closed account. 

XXXX XXXX XXXX sold my account to XXXX XXXX XXXX. I complained to such entity. Thereafter, the account was sold to Sherman Originator III, and then sold to LVNV Funding LLC. Then, it was lastly sold to Resurgent Capital Services. 

I register my complaint against all such entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Rushmore has assumed the loan. We were not aware of who had our loan. Our loan has been passed around. Our loan has gone from XXXX to XXXX and now Rushmore. We have received no statements from Rushmore or information. I had to contact them on XX/XX/2019 for info and sent in a "

Will '' and " Death Certificate. This is whole situation is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one filed a lawsuit against me, information about the court date are listed as posted by the sheriff. I had not lived at that address for 3 years, was in another state when my wages were garnished and I discovered I had lost suit to capital one. I should have been properly notified, and I now live in a state where wage garnishments for credit card debt is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Greentree & Associates
State: NE

Complaint narrative:
In XX/XX/2010 Greentree serviced my loan. Two years ago I discovered that there was a class action lawsuit against them. I sent emails to people claiming that they were representing victims but I never heard from them. I can share more details but I feel I was a victim of predatory lending practices. 

Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/2019 o sent my sister XXXX XXXX {$120.00} through The app Zelle, which I have sent money to and from multiple times. I have been getting misleading information about where the money is since my sister still hasnt revived the money and I still have yet to have the money back on my account. My bank XXXX assured me the payment went through which I could see on my statements and money was deducted. Zelle has been giving me different answers since the first call I made to them. They are telling me my payment failed when I could see that it clearly went through. They are not helping me, I keep having to speak with different people to get my own money back. My bank XXXX told me I couldnt dispute since it was a Zelle transaction but I disputed it anyway to see if they would just pull my money back anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Approximately XX/XX/2019, Santander Consumer USA, once again reposted my vehicle without notifying me of their intent to do so. Further, this occurred after they were notified that I was hospitalized and that I was deemed XXXX XXXX and as a result, a claim would be filed with the XXXX XXXX XXXX XXXX and they would be paying the Note off in full. Since Santander Consumer USA was the lost payee the payoff would be made directly to Santander despite the fact that I had made many payments to Santander that were covered By the claim in an effort to keep my account in good standing and to avoid repossession. I was given inaccurate information by several different Representatives ; including being told that my vehicle had already been sold at auction, after I paid the amounts I was told would be required to recover the vehicle. My request for my case to be escalated to upper management and/or Corporate was never responded to. Further my request to have recorded conversations with Representatives reviewed to verify the inaccurate information I was given and to prove that I paid the amounts I was told would be required. These actions resulted in my inability to have XXXX insurance claim paid due to the vehicle being repossessed and auctioned and and outstanding balance remaining of 0ver {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: DE

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have checking and savings with bank of america and about 3 months ago i was going through my online checking and saw XXXX debiting my account {$14.00} month and a XXXX XXXX XXXX a vitamin company debiting my account for@XXXX and XXXX month so i called bank of america and opened a dispute for theses transactions. upon talking to the bank these companies called a third party told them i had a contract with them and had been taking money out of my account for a year, during that one year period i changed by debit card twice and was baffled as to how they kept getting into my account and the bank disclosed to me that they were re-setting themselves up with the XXXX/XXXX people everytime i got a new card. Needless to say i was livid. i do have an XXXX   and XXXX account, however, i have never bought an app or music to warrant $ XXXX monthly from them and of course it is impossible to call them. XXXX the vitamin company was a free trial only and then they latched on and started sending a ton of their vitamins to me which i already called and canceeled several times. Of course the bank declined my dispute with no clarification as to why and it is unacceptable my hard earned money of about {$700.00} to both of these crooked companies should go unpunished and not returned to me. Neither company has anything signed or approved by me for these charges and it is wrong for anyone other than me to give them access to my money. I had to block both of them from my account to stop having them get to my account. Someone needs to stop this ridiculous interlocking corrupt commercial system where they can just call their buddies and get free rides to other peoples money. i tried to get their checking account information and not one person could give it to me, so how is it so easy for them to get mine?? If you could possibly help me to get any resolution on this matter at this point, i would be grateful. Thank you, 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 monetary relief
Consumer complaint received 2019-09-11 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I did not authorize or give consent to this company nor did I try to purchase or consent to running credit report I have no knowledge of this company or inquired any purchase with this company I have no accounts with this company nor did I authorize them to run any credit report for any business or purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I did not authorize or give consent to this company nor did I try to purchase or consent to running credit report I have no knowledge of this company or inquired any purchase with this company I have no accounts with this company nor did I authorize them to run any credit report for any business or purchase

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 2019-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
This debt happened well over 5 years ago they changed the date after it was removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am in a XXXX XXXX chase bank in XXXX tx told me to have my durable poa bring unsigned check into bank and deposit it violation 1 he should have never accepted unendorsed check of such multitude now I ordered my checkung account closed and still haven't recueved the remaing amount withen the 9 day period as laws instructed what do an old XXXX wonan do wgen they won't teturn her only funds

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
FTC Report Filed and Police Report Filed but account remains unblocked. 
Resubmitting Police Report and new FTC Identity Theft Report.

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 2019-09-11 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: Navient Solutions, LLC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX/ XXXX contacted me about doing the rehabilitation for my loan- the amount due was {$22000.00}. I was contacted on XX/XX/XXXX for nothing less than {$220.00} per month. Which I financially couldn't afford as a single parent.They eventually set up a wage garnishment against my wages- receiving anywhere from $ XXXX- $ XXXX+ per week. I was paid weekly. I was garnished for 3 consecutive years. Then in XX/XX/XXXX I received 2 letters from 2 different collection agencies/debt collectors. One was dated the XX/XX/XXXX from XXXX XXXX XXXX XXXX- from previous company Navient. The amount they were seeking was {$12000.00}. After receiving a notice from XXXX XXXX XXXX dated XX/XX/XXXX from previous company Navient. They were seeking $ XXXX- but were willing to settle for {$510.00} within 40 days of the letter. Each letter stated that I had 30 days to contact them. I have enough common sense to know they were trying to collect times 2 on my account. I contacted both debt collectors and infomed them that any further contact would result in a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: PR

Complaint narrative:
The inquiries listed on my report have not being initiated or authorized by myself. The inquiries are a result of ID Theft.

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 2019-09-11 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
TransUnion was nice on the phone. The phone is the only way i can get my credit reports because I live in XXXX. No customer service persons ever denied that my credit report couldn't be mailed to my address. After verified the information they wanted, XXXX XXXX. XXXX, XXXX from my pension company, a signed statement with SS #, and an electric bill, it would be mailed to me here in XXXX. After the hassles I got from XXXX and XXXX, what a joy to do business with. 

It appears that Transunion may have lied to me. My letter asking for my free report went out on XX/XX/XXXX. I called on XX/XX/XXXX to check on it. I was told that it was mailed out XX/XX/XXXX, and the file # XXXX was in the mail. I still have NOT received it. 

I get lots of mail from the USA sent to me here in XXXX and have never had a letter lost. I had to spend many hours on XXXX begging and pleading with several customer service people all claiming I can't mail out anything to me, ( from XXXX and XXXX ). 

It appears that Tansunion just simply lied about their intentions to keep the phone time short and the customer happy at that time.

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 2019-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I had charges of {$2000.00} from XXXX in XXXX on my credit card to which I was not there to recieve services for. I provided Amex copies of documentation reflecting this. I have filed 9 disputes, and spoken with XXXX XXXX from the office of the president, my attorney did research to assist me since amex said there is nothing they can do, it is quite clear they can however they have made so many variables of unwillingness to do anything. My attorney reviewed the documentation supplied by Amex, and they are not being accountable to there cardholder under FCRA fair credit reporting and dispute act which says i am only legally responsible for 50 dollars once a credit card is disputed as fraud which I opened a new account nunber in lieu of charges made while I was not on the boat. Amex has been very laxed in making things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I received a text message from my bank fraud detection about and unauthorized transaction attempt using my debit card. I immediately contacted my bank and was advised that nearly 700.00 in transactions where charged at various merchants on the same day. I advised that I did not have possession of the card and I just realized it was stolen because I have not left the house for the day. She submitted the claim at the time a temporary credit was issued. On XX/XX/XXXX I received a letter from Chase stating that the claim had been denied and on XX/XX/XXXX all credits will be reversed. I contacted the fraud department to understand what happened and was advised that the charges where confirmed because I still had the card. I informed the representative that I originally said that the card was not in my possession and discovered the original claim was put in incorrectly which lead to the claim being denied. She reopened the claim and reassured me that the issue will be resolved. On XX/XX/XXXX I checked my account and noticed that all the chargers where reversed leaving me with a negative balance. I called the fraud department again who advised that reopening the claim did not stop the credits from being reversed and I the back office will have a decision by XX/XX/XXXX. I checked my account on XX/XX/XXXX to see that all my transactions that have been made since XX/XX/XXXX has received NSF fees because of the reversal putting the account even further in the negative. I called the fraud department on XX/XX/XXXX and was advised that they are disputing the payments with the merchants and if they can recover the funds I will get my money back. I was advised this can be no later than XX/XX/XXXX. I then requested a supervisor since the reason the claim was denied was due to the initial claim being entered correctly. The supervisor came to the line took my complaint placed me on hold to research and disconnected the call. I have not been followed up with by chase since the letter being told it was denied now I am placed in a difficult situation because I was a victim of fraud and improper documentation by the Chase representative with no recourse as a customer. Chase did not protect my rights as a consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I am currently in a mortgage written by XXXX XXXX XXXX in XX/XX/XXXX and being serviced by Select Portfolio Servicing. I applied for a loan modification in XX/XX/XXXX and fell behind in XX/XX/XXXX. My mortgage is at 9+ % and I am unable to make Full payments. 
I am currently in s trail modification until XX/XX/XXXX but fear I will receive for closure notice.

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