vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Law Offices Howard Lee Schiff, P.C.
State: CT

Complaint narrative:
Problem started taking a personal loan from XXXX XXXX XXXX for XXXX back in XX/XX/XXXX. I have been paying the regular payments and was almost at 50 % done before the recession in XX/XX/XXXX. XXXX  XXXX XXXX tried to collect only XXXX to close the account. I didn't have that money to pay it off but I paid about {$1400.00} and couldn't negotiate the rest. a couple of years later. my loan was gone to a collection Agency called XXXX ( Law Office of Howard Lee Schiff P.C. Theses people were sending me notice to my old  address which I didn't have access to and then they went to the court and never had a chance to defend myself or come to agreement. All of a sudden I receive a letter to my current resident address stating that XXXX  have taken action collecting {$35.00} a week starting XX/XX/XXXX. but guess what, I'm paying for my original loan amount again XXXX they probably bought it for XXXX   or less. I didn't complain and reached out and almost paid the first year in total. had some trouble paying for 2 months ( l {$280.00} ). two weeks later. a letter from marshal was sent to my work asking them to deduct 25 % of my paycheck. Is that fair! Oh, and again i'm back to XXXX by adding {$2500.00} marshal fees on top of the loan ... .I 'm down and don't know what to do. These guys never communicated with me before taking any action. I'm not feeling comfortable at work knowing that this was brought to where I work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: NC

Complaint narrative:
The credit bureau would not remove credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: MA

Complaint narrative:
sent a email to landing club for they hold times on phone go on and on, i have been on hold total 6 hours in one week  .understand volume is high but this is ridiculous. sent a directive to cease auto debit .to date they refused to comply and have to tried to debit my checking, i have sent numerous email without a fix, also looking for deferment they offered online yesterday but has since dissapeared .when you call they refer you to the website but i cant complete deferment there now where yesterday it was offered

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I purchased {$100.00} from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX then between XX/XX/XXXX and XX/XX/XXXX I was charged six more times only the one charge was authorized I tried emailing and calling the merchant and then I filed a dispute with Citi card Citibank was looking into it I called them again on XX/XX/XXXX and then on XX/XX/XXXX on XX/XX/XXXX they told me they found my dispute in favor of the merchant I did not make the other six charges I sent the receipt for the one charge along with the signed letter and they are saying there's nothing I can 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 explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've had this problem for a long time. I need this them removed. I've turned in all of the documents. The accounts are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Multiple times ( no less than 5 times ) I have sent authorizations to this company for my wife, XXXX XXXX, to be able to speak with them about anything regarding my loan. Each time, they have ignored it - until a previous complaint when they responded that they now have it recorded and in their records that they may speak with my wife. When she called them today, they told her that they could not find any authorizations in their records. This is now appearing to be intentional on their part to not speak with the person I authorized. I have copies of e-mails stating that this was taken care of by them, but they are still not cooperating. I am on the XXXX all day long and the only person who can handle my questions and issues is my wife.

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 2020-03-25 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have already disputed the fraudulent accounts reporting on my credit yet some of the accounts are still reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: GA

Complaint narrative:
Submitted a complaint ID XXXX and received a response from Equifax that the item is not reporting, which it is. Also they have failed to respond to previous disputes within the 30 days time allowed by law. See attached docs

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've had this problem for a long time. I need this them removed. I've turned in all of the documents. The accounts are still on my 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 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am a customer at Bank of America and my Debit card has been hacked and i had to call them straight away. They came back to me asking for papers and receipts ( I was hacked ) which completely illogical. Ive talked to them for that matter but no one helped.

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 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Accurate Background
State: AZ

Complaint narrative:
I had a background check for XXXX the company " accurate background '' was the company that did my background check. The results of the background check ended in a adverse decision. The company requires a 7 year background check. My felony is 7 years old as of file date of the criminal charge XXXX. The background company went by dispostion date rather than the file date which is the FRCA policy. I would like to know what the policy is when it comes to when the clock starts on the 7 year rule and if the company is not following those guidlines. I was denied a very very crucial important job in these desperate times we are going through and this has effected my family in every way. Please contact me asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: TX

Complaint narrative:
XXXX XXXX  ACCOUNT # XXXX SOLD A DEBT TO TRUEACCORD A COLLECTION DEBT COMPANY THAT IS TRYING TO COLLECT A DEBT ILLEGALLY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I have a car fro GM Financial and everything was going fine i was making on-time payments every month via ACH transfers this past XXXX the credit bureaus are reporting a late payment on the account i was very confused so i called the company to see what was going on and they told me that the payment was canceled for this month and they sent me a letter to make another payment right away now i never received any letter because they sent it to the wrong address i have a copy of the letter and on the letter it shows the wrong address if i would have received the letter to the correct address i would have been aware of the cancelation of the payment and i would have maid the payment right away. this is not fair its affecting my life the fact that its reporting late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX at One Main Financial offering a pre-approval in the amount {$1900.00}. She obtain information and had me unlock my credit report. Then scheduled me to come in at XXXX XXXX  to close. When I arrived at the office, she stated that she forgot to send something for verification and advise that I was pre-approved for {$15000.00} which would pay off my existing loan first. Ask if I wanted that amount and agree to the monthly payments of approximately {$600.00}. I agreed, and she came back to say she was just waiting for a verification then she would schedule me again to close. At XXXX XXXX  she called and scheduled me to come back at XXXX XXXX   to close. After waiting 30 minutes, the manager stated that underwriting is requesting a XXXX copy of my social security card because of the credit alert on my credit report. She advised that underwriting was closed so she would have to call me tomorrow. On XX/XX/XXXX XXXX advised that they would only accept a color copy of my social security. On XX/XX/XXXX, I submitted a request to XXXX via email asking that they accept my W2, IRS PIN letter, and passport to confirm my identity. I also submitted a complaint to their customer service line. On XX/XX/XXXX, XXXX finally called me back and stated that they agreed to accept those items. On XX/XX/XXXX, XXXX called to state that they were unable to proceed with the application because they were unable to verify my income. I submitted my most recent pay stub, and my XXXX W2. They did not request any additional items. Income verification is the easiest part of this process. I could have provided bank statement and given them by HR company contact information. She refuse to provide any additional information and stated that I would receive a letter. This feels like discrimination. It was my understanding that they simply need to verify my identity because of the credit alert. BTW ... They required none of this for the original loan, and my credit alert was on my account then as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase I did not ask you to update anything I asked you to delete the two trade due to XXXX XXXX you refuse to do it and claim that XXXX XXXX removed it can you send me the actual proof of work done in XXXX XXXX remove the dispute box because I have every credit report eating back from last year only thing I need from you is the mark the date in the year of the XXXX XXXX so-called remove the mark remarks there was never any remarks on my credit report and that would put you in violation and I do want to let you know Ive already reached out to the Minnesota Attorney Generals office about your arm organization Im not sure if you and your XXXX XXXX  will get it or your legal team will but our regarding your last response via the CFPB website portal I will be forwarding that information to the Minnesota states attorney office And my last dispute the bill the XXXX website also with each creditor you claim that you will not be investigating because when I send you factual basis proof that the account is not reporting correctly oh update no you need to delete the  accounts immediately both of them I ask you will be sued for {$1000.00} per and I repeat per credit bureau if you dont believe me try me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: NY

Complaint narrative:
I am a victim of identity 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 2020-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have been guided to your website by an aid from U.S. Senator XXXX XXXX 's office Ohio 's XXXX District.. 

I have leased a safe deposit box of which I have contracted to lease from the local Chase branch and is currently up to date fees as required for the lease of the box of. Which I've leased for approximately one and a half years. I was told by an officer of the bank I would always be able to access my box during bank working hours.. 

My dilemma is such that the aforementioned bank, Chase Manhattan located at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX is currently closed. No one working the outside window and nor is anyone available by phone inside the branch. In addition I have contacted Chase Manhattan corporate offices- consumer relations department and have not gotten anywhere. I contacted the local XXXX XXXX police department to see if they had an emergency contact also to no avail. 

I understand Chase closed many branch offices due to Coronavirus issue, However I was not given an opportunity to retrieve my valuables before the bank closed. No communication at all from the Chase branch either via e-mail, USPS or via phone. .I am laid off from my work due to to the Coronavirus issue and desperately need to access my valuables so I can sell them.in these trying times. 

I do not think it is ethical that Chase is not allowing access to safe deposit boxes, while other banks are. at this time. I understand these are stressful times for all but adding stress at any age weakens one 's immune system. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I was severely harassed by Midland funding. 

I have set up several payment arrangements over 1 year ago and midland funding keeps voiding the payments. In 2018 midland funding accepted 1 payment each for 2 accounts. Midland funding then decided to void a valid payment arrangement without notifying me first. 

I was contacted unlawfully on my cell number by midland funding. My cell number which is private, meaning ( i never gave this number out to anyone ) and or if I did have to give a call back number I would of had instructions not save the number. 
Its unknown how midland funding obtained my cell number? 
Midland funding said their agency looked up my number through a government database? 
Midland funding hung up every time even though midland funding was cold calling contacting me. I told them to stop calling! Midland funding leaves strange voicemails to contact XXXX XXXX. 
I went online again and set up another payment arrangement on the 2 accounts in question. I was offered a payment arrangement online for 2 accounts. I set up again ( like I did in 2018 ) 2 payment arrangements with midland funding for 2 different accounts. After I set up the payment arrangements online I called the debt collector to inform this debt collector I had set up a arrangement with midland funding online for the 2 debts. I had also instructed Midland funding and or its collectors to stop contacting me! After I told the collector the monthly amount I had set up online, he ( the collector ) threatened me with legal action if I did not come up with XXXX to pay him. I told him I was not paying him XXXX. 
He preceded to threaten me and said I would be sued. He said the arrangement would not be valid unless I paid him XXXX. I had to talk to over 4 people that day. 
This incident above happened last week. 
Today I went online to view the account information and now it says I have I have no account information. 
They have now voided my payment arrangement again?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
failed to provide validation of debt with wet signature. May have violated my HIPAA Rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX, Wells fargo denied the refinance of our XXXX XXXX XXXX. We were trying to lower our payments due to the Covid-19. The lowering of these payments would help save us $ XXXX/month which we could put towards savings to help off set the salary reductions we experienced as a result of the virus. 

Wells Fargo denied us stating that a reduction in payment of $ XXXX/month wouldn't not improve our financing situation. What they really said was Wells Fargo 's financial position would not be improved. 

We have paid our loan on time for over 3 years ... never once missing a payment and this is how we are repaid. I attempted to speak with the underwriters and they just said the same thing.

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 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I refinanced my house located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX through a loan company called XXXX XXXX. The loan was done to pay off my back taxes on a XXXX XXXX. The loan servicer was XXXX XXXX XXXX XXXX. They took an excessive escrow amount for impounds on property taxes. A payoff processing fee of {$7600.00} and additional amount of {$6700.00} for property taxes which total to {$14000.00}. My interest rate was suppose to be 5.7 % but they changed it to 5.8 and included a prepayment penalty on loan document signing. The payment schedule is confusing on the loan disclosure. It states that the monthly payment will be {$1600.00} which included principal and interest. Now, my mortgage statement says this will only include interest and they have my monthly payments at {$3000.00}. They have not corrected my mortgage payment for the adjustment in property taxes. 

I have called both XXXX XXXX XXXX XXXX department and I contacted Select Portfolio Servicing three times already to correct this. SPS sent me a letter on XX/XX/XXXX about hazard insurance required on the XXXX XXXX XXXX, XXXX XXXX, CA XXXX and they plan to buy insurance at a possible higher cost. I already had insurance and they were sent the documentation. Because of the problems in servicing my escrow account, I notified them in writing on XX/XX/XXXX, that I did not want an escrow account. I told them that I already paid my property insurance/property taxes and plan on paying both in the future. Yet, Select Portfolio refuses to refund the money taken for my escrow impound account and keep sending me for monthly mortgage payment of {$3000.00}, which is incorrect and I can not afford. I have been making a monthly payment of {$1600.00} on time for the first 120 months which is stated on the first page of the loan documents. I want my escrow money refunded, my mortgage payment reflecting {$1600.00} to include principal and interest. I'm worried that they will foreclose on me for not paying the mortgage amount that they are requesting. I would greatly appreciate if you would investigate this matter and resolve it. 

Sincerely, XXXX XXXX Loan # XXXX

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