vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Quicken loans mortgage # XXXX Full monthly mortgage payment was putting in suspense balance without paying down my principal and interest, so quicken loan earned illegal extra interest on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
This is a debt that I do not owe from medical appointments that were paid for by my insurance and the counselor agreed to accept what my insurance paid. 
They need to remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have no financial responsibility to this company whatsoever. My belief is that these cards were fraudulently opened in my name. I sent letters on XX/XX/XXXX and XX/XX/XXXX requesting documented proof of who opened these accounts and have not received anything other than a bill. That doesn't help at all! 

This debt is on my credit report MULTIPLE TIMES. It is reported by the original creditor XXXX XXXX and then new companies PORTFOLIO RC and XXXX XXXX are re-aging this account by re-inserting it on my credit report again and then reporting the account as RECENTLY active. This is completely unfair to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I went to a used car dealership on XX/XX/2019 at XXXX XXXX XXXX in XXXX XXXX to test out a XXXX  on their lot. Met the salesman, test drove it and I loved it. After three hours of negotiating a contract I was able to get the deal and price I wanted. I signed numerous papers and was told my car would be ready in two days so they could detail it.

Two days later I get a call from the manager telling me the car has numerous leaks and they wont sell it to me now, and that its being put up for auction. I told him my family member is a mechanic and Id like to have him look at it, knowing this already seemed fishy. He told me no and that their reputation stands by it. He said I can look at other cars on the lot and get one of those, I told him no, the XXXX was what I wanted and came for and that they should honor my contract or terminate it. 

He terminated it. Found out he sold the XXXX to another person. Now, I have all these inquiries on my credit report that I can't get a loan approved for it. Many of these inquiries I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hardesty Law Office, PLLC
State: TX

Complaint narrative:
On XX/XX/2018my facial lady moved to a new spa and asked me to go with her. I signed a one year agreement to do 12 pre paid services.  The last time I went to the spa was XX/XX/2018.  My facial lady went to XXXX and was fired. The spa owner never disclosed this to me.  Someone also upgraded my membership from 12 prepaid services to 24 with no consent and charged my XXXX XXXX/m not XXXX/m as I agreed.  When I discovered this late XX/XX/2018 I sent notice to the owner that she was no longer authorized to charge on my XXXX.  I had tried to get in the previous months and was told XXXX was still out of town and finally XXXX told me she had been fired.  The spa continued to charge my card despite my withdrawal of consent for several months until finally XXXX helped me block them from using the number to process charges. Now they are wrongfully attempting too collect on a debt for the altered contract amount when the underlying agreed amount has been paid in full. I agreed to 12 services at XXXX and have been charged and am being sued for 24 services at XXXX  and even her lawyer agrees I agreed to only 12 services.

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 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently ( XX/XX/XXXX ) had two positive changes to my XXXX acct ; 1 ) XXXX increased my credit limit by {$6200.00} -- improving my utilization ratio 2 ) FULLY paid bal on XXXX to {$0.00} bal. These changes were noted on my Equifax report ( via XXXX XXXX XXXX on XX/XX/2019 It would seem that these positive changes would have potentially increased my score. However, the reported changes caused my Equifax score to go DOWN 11 pts to XXXX ( as the new score )! On the other hand, my XXXX XXXX score INCREASED 6 pts to XXXX ( after the same changes were applied ). I called XXXX XXXX and they told me I had to contact Equifax, as the score is determined by the credit reporting company. Due to systemic technical issues, I was unable to submit a written investigation request directly to Equifax. I then called Equifax and was informed that they " understand my concern '' but, I will need to contact XXXX XXXX!! I have submitted two written requests to XXXX XXXX to investigate and correct. On XX/XX/XXXX, I finally got a written response to one request in which XXXX states again that they " understand my concern '' and list the factors contributing to the new lower score, all of which I am aware of, BUT DON'T APPLY IN MY CASE, NAMELY : 1 ) My utilization did NOT increase ( it actually improved! ) 2 ) I have 100 % timely payment history on ALL  accounts 3 ) NO derogatory mark has been added to my report 4 ) No old account was closed 5 ) No new account opened that has not already been accounted for. 

I am requesting that Equifax review the score and adjust accordingly. I can not understand how two positive changes, could bring my Equifax score DOWN 11 pts, to XXXX ; while those same two changes INCREASED my XXXX XXXX report by 6 pts to XXXX. 

PLEASE help me correct this as I am getting the runaround by both the credit agency and XXXX XXXX. I have been diligent in monitoring my reports, and have worked very hard to come from Bankruptcy to this point in my credit history! Thank you so much for your help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2019, a check was submitted and cleared to XXXX XXXX XXXX in the amount of {$26000.00} to pay off auto loan, XXXX XXXX. Initially, XXXX XXXX resisted providing me with a paid in full letter, attached, but subsequently relented. I then disputed the balance on my Experian account, but XXXX XXXX validated the debt as accurate, which has severely impacted me. XXXX XXXX provided me on their letterhead validation that the debt was paid in full ; but subsequently advised Experian that the debt was valid. 

This is collusion amongst a credit bureau and subscriber to impact consumers and ultimately drive up interest rates and cause adverse actions for consumers.

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 2019-07-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Since XX/XX/XXXX, Macys has been reporting my account ( # XXXX ) as a Failure to Pay, however, Macys has been charging me for an XXXX top I did not receive, and for the related interest and late fees associated with it. For over two years, I have been attempting to get the compounded errors that began on XXXX XX/XX/XXXX, when I opened a Macys charge account corrected. I opened the account, after continued pressure from a sales associate, at the XXXX XXXX Macys store. I purchased several items. I brought them home, but did not inventory them or removed them from the hanging bag at that time, as I almost immediately left on vacation for a month. When I did take the items out of the bag, I realized that one of the XXXX tops that I had purchased ( and was charged for on the receipt ) was not there. Since then, I have been trying to get Macys to correct this error. I have called the store, and I have protested the charges to the credit department. Finally on XXXX XX/XX/XXXX, I waited in the XXXX XXXX store for over an hour for a managers help. She managed to create a return that credited the account for most, but not all, of the erroneous charge. However, it was not her job to correct the years worth of late fees and interest associated with the erroneous charge. When I wrote Macys Customer and Credit Services, I received a response informing me that the charges were correct, and providing a number to call if I had questions. When I called the number, I was informed that because it was not credit card fraud Macys would be taking no action to correct the charges, and because I had attempted to purchase the items, I was responsible for all the charges. When I reiterated to the young man that I had not received the merchandise, and therefore did not believe I could be held responsible for the interest and late charges on goods I had not received, he informed me that I was liable for the charges, even though I did not receive the merchandise, because I had wanted to purchase it.

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 2019-07-10 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: STATE FARM BANK, FSB
State: CT

Complaint narrative:
XXXX XXXX, the owner of State Farm in XXXX CT has been my life insurance agent for about 20 years and that is how long my IRA has been with him. 

Late last year XXXX XXXX took over State Farm IRA/Mutual Funds and only the agent - not telephone or online - trading/withdrawals could be perform these transactions. XXXX told me he didnt go for training and he whined - maybe I should just move my IRA account. 

I didnt know how to do that and XXXX messed up a transaction I have reported to all agencies and still no real satisfaction. I did recoup {$100.00} that he didnt have put into my checking account but when I discovered the $ error - XXXX did nothing to correct it. I had to go to XXXX and I dont know if they just took out more XXXX XXXX made 2 transactions for one simple {$500.00} cash request and messed up my IRA account. 

After a full month of trying to rectify this, I went over to XXXX. I couldnt have XXXX do any more transactions and XXXX refused to admit his error - giving me less $ for a transaction. 

I want the {$70.00} fee State Farm is charging me to transfer my IRA to XXXX refunded to me by State Farm. I have no access to my IRA $ which I need as a XXXX senior for monthly household expenses. This whole ordeal has left me without funds and its a real worry. I also have a XXXX daughter - its just the two of us. 

XXXX told me he could not get my {$70.00} and to just report it. 

Thanks for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I have had a very difficult time with Fay Servicing and XXXX XXXX my manager. I have tried to submit for a loan modification 2 times. I was never able to communicate to the same person which always caused confusion. XXXX XXXX always seemed to lose my paperwork, which I constantly had to re-fax. I was declined for a modification because I extended my maximum reviews!?! 

The first time I applied Fay Servicing declined me because I had equity and I am self employed. Which sounded made up and completely illegal. I had a medical hardship which caused me too miss some payments. I was over my hardship and back to work so I applied for the modification. This qualifies me for a modification based on mortgage banking guidelines. So I applied a 2nd time thinking this had to be a mistake. 

The 2nd time, I applied I had help with a free service that help me make sure my underwriting was done correctly since I am self employed. Everything looked good so we sent it in. Based on the guidelines I can afford my mortgage and just need a modification to avoid foreclosure. Fay Servicing then declined my file stating I had exceeded the allowed reviews? This is my 2nd review and I submitted because the fist denial seemed illegal. 

I know for a fact the 1000 's & 1000 's of home owners have received loan modifications that have equity. And based on the California Bill of Rights I am allowed to appeal and apply again. Fay Serving only seems to lie, and make up excuses to review my file. Both decline reasons from Fay Servicing do not even seem to be honest or legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-07-10 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MO

Complaint narrative:
On XX/XX/XXXX I went on XXXX XXXX  and noticed my score had gone down, went to check out why and seen something from XXXX XXXX  and enhanced recovery company ... I also seen that it had come from XXXX and XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... I didnt have neither one before, I called and it the rep said it had come from an address Im XXXX XXXX, Florida I have never lived in Florida ever ... .I have also never had XXXX XXXX  nor XXXX XXXX  ... I need this taken off because it if affecting my credit score ... This is obviously identify theft and fraud..I have never received bills from here which proves that is was not done by me, I havent received any notifications ... if it was not for me checking my score I wouldnt have known nothing of 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 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
Gold key credit inc # XXXX Placed for collection XX/XX/XXXX {$95.00} Creditor : medical/ Florida XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX The issue is that I paid the {$95.00} and my electronic check cleared in XXXX of XXXX. 

I received a call threatening collections and paid it again. 

My wife showed proof of payment from both bank and insurance web portal and cancelled that payment. 

Sent to collection anyway because electronic transfer went unnoticed by XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
The finance company gave me a different interest rate than what was told to me at the time of the sale. They had full access to my account and would automatically take out my payment on a non payday, causing me to rack up late fees. When I ask to move my payment to my payday they informed me that they did but they really didn't. And with doing this it put me upside down in my vehicle within the first 5 months of having this car. I have been dealing with this now for 2 years because no one will touch it with the interest rate they have me at, and they still will not budge on anything. Within the 2 year i have tried to get out from under this company and still nothing because i am now so far negative on this note. I am still paying my car note on my payday and still receiving late fees. I do not feel like i got a good deal on my car or the financing. I strongly feel like they are railroading me and the car is only Valued at {$7900.00} if anything. They car was price at XXXX. After 5 months of having this vehicle the car was priced at XXXX. I drive a used 2013 XXXX XXXX with now XXXX miles on it. I am looking at paying way more than what the car is worth. Plus everytime i call to get a pay out the amount is always different. In 1 weekend the payout amount went from XXXX to 15k-plus to XXXX. to the final {$15000.00}. Nothing is adding up with this finance company. And I want to put them on notice and if anything stop them from taking advantage of people. My credit has been completely shot due to ALLY Financial. I am now having to somehow start over just to get my credit decent.

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 2019-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: 77 Elite
State: CA

Complaint narrative:
I received a call form a company called XXXX XXXX their XXXX XXXX 77 Elite about an opportunity for loan forgiveness and claimed to be associated with XXXX. They claimed I would get loan forgiveness through their federal program after paying 20 low payments on my overall loan dept by over {$7000.00}. They asked for my XXXX ID and password as well. They also requested my 2 most recent pay stubs. They required an upfront payment of {$240.00} on XX/XX/XXXX and 3 more payments of {$250.00} in the next 3 months and states I did not need to make payments to my student loan servicer during this time. I also did not send the remaining paperwork to this servicer and somehow they decided to charge my credit card anyways. After doing some research with department of education, I learned that requiring upfront payment for loan servicing before providing the service is illegal. After reading about student loan scams I immediately cancelled payment and called XXXX XXXX to cancel their service. I found out months later than they had consolidated my loans anyways through XXXX XXXX XXXX. I recently was contacted by phone informing me that I would be taken to collections. I later learned that their information was false/fraud and that I did not qualify for the public service loan forgiveness through XXXX I believe this is a fraudulent company and was informed that many of their actions were in fact illegal. 


Take Note : " After doing some research with department of education, I learned that requiring upfront payment for loan servicing before providing the service is illegal. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation